For those students who are just finishing college, please make sure that your finances are in order before leaving. Everyone knows that it is very hard to get through your years at college without some sort of college student debt. Make sure you know how much money you can afford to pay on your current credit card and student loan consolidation.If credit card and student loan consolidation is handled before leaving the current course of study, it will be much easier to deal with it and get it paid off in a timely manner.Most of the charges to be included in the credit card and student loan consolidation are the fees the lenders charge for giving you credit in the first place. This gives the credit repair companies and agencies a chance to reduce the total you owe, sometimes by almost half.Credit Card debt can get out of hand fast if not taken care of as soon as you start creating a life outside of college for yourself. A credit card and student loan consolidation program can allow you to make a lower monthly payment than you might have expected, allowing you to have more funding for life’s necessities.So if you are considering credit card and student loan consolidation, do your research to make sure you have all of the facts to make an informed decision about your debt. Remember to make a budget as it is essential for a healthy financial life for many years to come.