One of the highest goals of someone stuck in high credit card or other debt today is to find a method of debt settlement consolidation. This process combines many debt payments into one or more and lowers interest rates or payment amounts so that it is easier for the credit cardholder to pay off their debt and restore their credit rating. There are some credit counseling services, which are often non-profit agencies, that can also perform the function of negotiating with your creditors for those lower payments and managing those payments so that you only have one payment each month. You can also consolidate your credit by taking out a low-interest debt consolidation loan to pay off high interest credit cards and other debts. If you have already done some damage to your credit score, however, it may be difficult to get a low-interest loan. In addition, credit counseling and debt consolidation services may charge high fees and deliver limited benefits if they are not accredited and merely in the business to make a quick profit with little effort.