Let’s face it, us Americans love our credit cards. In fact, we now use them for nearly 50% of all personal purchases made across the country. That’s a lot, and whatever the reason is for you using yours, one thing is certain, you’re going to have to pay them all back eventually PLUS interest.. or are you?Help, I’m Drowning in Credit Card Debt!Along with the increasing popularity of plastic, has come an epidemic of Americans charging their way into seemingly inescapable levels of debt. However, lucky for you, there is help available. The most common type of this financial help is called debt consolidation.A debt consolidation program works by eliminating all of those high interest bills that have been plaguing your finances, and replaces them with one easy to manage low-interest loan, with one payment each month. By reducing your overall interest rate, you will pay less each month and have more money to put towards reducing and eventually eliminating your debt completely.How To Find the Best ProgramJust like when you are shopping for a new TV or sofa, you are going to want to shop around and compare offers from different debt consolidation programs and companies. Luckily, this is as easy as checking your email. You can request free, no obligation, online quotes from several different companies on the Internet. By doing this, not only will you satisfy your curiosity and see how much you can save, but you will also be able to see which program will save you the most money and get you out of debt the fastest.