For any young person just leaving school or college then making sure that your finances are straight is an important thing with credit card and student loan consolidation. Its a well known fact (well to everyone that has ever attended college or school anyway) that it is near on impossible to get through your studies without accumulating some form of debt or another.Credit Card and Student Loan Consolidation starts before someone leaves their study and if it is all handled properly then it can be dealt with easily and paid off much quicker with the right direction.Much of what people have to pay back are the charges that the banks and credit card companies put on the money that they lend you. There are a number of companies and credit agencies that will help someone with credit card and student loan consolidation and at the same time will help to reduce the debt by up to 54% of what is owed by reducing the charges.Credit Cards can quickly spiral out of control if not dealt with quickly once you need to start living a full life outside of study and a credit card and student loan consolidation program that will free up some of the money that you will be earning in your first job. It is also important that you make sure you have a budget in place that you can stick to and pay off more when you need to.So when looking at credit card and student loan consolidation make sure that you think about it fully and get all the information you need before you go ahead. Remember that budgeting is very very important.