Is your credit card debt getting you down and feeling hopeless? A credit card debt consolidation loan may just be the prescription you need. Imagine having only one payment to make each month, and a much smaller payment at that. Imagine saving hundreds if not thousands in interest charges. Imagine feeling calm and relaxed about your monthly finances.I do not know about you, but that sounds wonderful to me!How do you find this utopia? You can find it at your local bank or credit union. You can even find it just a click away right from the privacy of your home on the internet. More and more lenders are turning to the internet to offer their customers easy and fast solutions to their credit card problems.Unsecured Debt Consolidation LoansAn unsecured credit card debt consolidation loan does not need any collateral or security. It is possible to get this type of loan from a bank if you have had a good relationship with the bank for some time. If you do not know your bank very well you can find many good lending programs on line.You need to remember that unsecured loans always have a higher interest rate than secured loans. This is because the lender does not have anything to fall back upon in case you do not or cannot pay back the loan amount. In addition, the amount of unsecured loan that you will be able to get will be lower than what you can get with a secured loan.Home Equity Debt Consolidation LoansHome Equity secured loans are the more common credit card debt consolidation loan available as you put your home up as collateral. This enables the lenders to feel safe in granting you the consolidation loan. The trade-off to you is the interest rate is much lower and may be tax deductible. The amount of loan you will be able to get will often only be limited by the amount of your available equity.Besides being able to eliminate your debt, a credit card debt consolidation loan will give you the opportunity to improve your credit score by making regular monthly payments. You will find that once you have been making monthly payments on time, your credit score will gradually show an upward trend which will make it easier for you to obtain fresh loans in the future.Credit Card CounselingIf you really want to keep smiling and live your life this new found utopia, you may want to consider enrolling in credit card counseling. Credit card debt consolidation counseling will teach you how you can get rid of your debts and more importantly, how to stay out of credit card debt permanently .Do not let credit card problems spoil your life. Let a credit card debt consolidation loan [http://www.credit-cardconsolidation.net] give your relief so you can get on with life.