Choosing the best option when you are in debt is absolutely the most important thing that you can do and with so many different options out there, it is more difficult than many people realize. When you are looking over your debt situation, you have to do a bit of self-analysis. Understanding your own abilities and your specific loan situation is incredibly important, especially when you are dealing with large amounts of debt. With that in mind, what should debtors make of credit card debt loan consolidation? Is this the best option available for them? That depends upon a few individual things.Is disorganization a major problem?For many individuals, the biggest issue that sits at the root of their debt problem is disorganization. Instead of being able to keep up with lots of different debts, these individuals find themselves searching for their account numbers, payment dates, and scrambling to get things in on time. When that happens, you end up paying a lot of money to the credit card companies for things like late fees. This can make it almost impossible to climb out of a major hole, because every single time you make a payment, you are just paying something other than the principal.With consolidation, people with debt will find their accounts organized into one loan. This makes it easy to keep your eye on the prize, which is getting out of debt in the long run.Is a high interest rate holding you down?For some folks, the problem starts and ends with an unusually high interest rate. What are you supposed to do when you have to pay something like 25% interest on your loans? This might seem outrageous, but it’s typical of the rates that many people are seeing on their loans today. If you are one of those folks who has been struggling with a massively high interest rate, then you will be much better off with a consolidation loan that will provide some relief. In many instances, you can cut your overall interest rate in half. Think about the amount of relief that this type of rate cut would provide to your family.It is hard to say whether or not consolidation is the right move for you, but these factors play a huge role in determining that. There are some options for people who feel overwhelmed, and this is one of the best to be sure.