Paying 19.99% or even 7% on credit cards and lines of credits is just an uphill battle. Did you know that if you had a $10,000 credit card balance and you made just the minimum payment per month that it would take you 25 years to pay that debt off? Essentially you end up paying twice for the item you originally purchased. It does not have to be that way.
Consolidation can help you not only reduce your overall monthly expenses, but it can relieve stress and assist you in paying the debt faster.