Are you currently experiencing a severe debt problem that you wish would go away? Take heart. Your wish will be granted. But it will not be done so magically. You have to work it out. The good news is that the government took steps to aid consumers like you who have been suffering from debt trouble by offering debt relief programs.The programs are not only offered to those who are still quite hanging on with their credit score. The programs are also meant for those with very low credit score. Government bad credit debt consolidation loans and debt elimination are something that you should consider as help apart from what is offered by other private entities.The consolidation loan program gets you back on track by merging all your debts into one so that you will not be paying to many separate creditors. It has lower interest rates and has shorter payment periods (about 12-36 months). You will then be able to afford paying for it as opposed to paying various creditors on debts that have high interest rates.Aside from bad credit debt consolidation loans, there are also debt elimination programs that will help you manage your debts properly. Debt elimination involves a settlement company that will arrange with each of your creditors to lessen the payment of the whole debt. You will have to pay the settled amount to the resolving company rather than to the individual creditors.The resolving company will settle an amount at about 20-40% less than the entire credits. It is enough that creditors agreed for you to pay for a lesser amount, but if you fail to pay as agreed they can dissolve the agreement and demand full amount of the previous total debts. In the same way, the resolving company can destroy your credit score if you become delinquent in paying on the new arranged term. So as you can see, debt elimination method is suitable only if you can pay on a regular basis.The availability of bad credit consolidation loans and debt elimination boils down to one thing: availability of debt solution. This solution is within reach and some of them are initiated by the government. If you want to know more of these solutions, search on the internet. There are websites that provide details about these programs including the eligibility requirement, affiliated companies, policies, guidelines and proceduresOnce you understand the process, you need to choose the right company to work with but don’t just work with any company. Choose one that is legitimate, trustworthy and highly recommended by other consumers. After taking these initial steps, go all the way in cooperating with that company towards being totally debt free.