If you find yourself unable to get out from under burdensome, high-interest debt despite your best efforts, it might be time to consider debt consolidation. There are several key ways to do this, each one with slightly different processes and results. Learn More: Dave Ramsey Says This Is the Best Way To Pay Off Debt Try This: 6 Hybrid Vehicles To Stay Away From in Retirement You can get a consolidation loan, work with a consolidation agency to create a debt repayment plan or negotiate a debt settlement. D ...