Nowadays, an innumerable amount of Americans use their credit cards to make their daily purchases and as a result, have to face mounting debts. The constant tension of the increasing debts wreaks havoc with people’s lives, ultimately affecting their personal lives and their health. Some people even face the risk of losing assets like their homes. However, the good news is that the Obama administration has set aside funds to aid those struggling with debts. If you qualify for these programs, you can restructure your debts and debt repayments, thereby relieving you of the menacing financial stress.This has been made easier with online government agents who are trained to guide applicants on several options depending on their current financial condition. Trained agents can be reached at a few clicks away; they can suggest various options of dealing with the applicant’s creditors. Usually, applicants are advised to pay off existing debts with a consolidation arrangement that shortens repayments to one manageable monthly sum. Together with the agents, applicants can choose the best option for themselves. Often, the entire balance is paid to creditors, sometimes that balance can be negotiated to a controllable amount.The Direct Loan Consolidation program or DOE is an example of the government debt relief service. This government consolidation program pays off the applicant’s creditors and fixes on a single payment at a lower interest rate. This makes loan repayment easier and quicker, as interest rate is lessened and lower payments to be made. This makes the future free of any debts. This program comes as a welcome relief to many, while they are struggling to get out of their debts. As more and more word spreads about this program, more people will be able to come out of their escalating debts, thereby relieving them of unwanted anxiety and stress.