The best way to get out of debt is to pay off your cards at low rates each month until you are free financially. This might sound like the perfect scenario, but we all know that it just is not realistic. No matter how hard you try, it is going to be difficult to get out of debt the way the card companies want you to. The fact of the matter is that these companies know very well that you are going to struggle to pay them off and they like it that way. Creditors make more money when you pay them interest and they have no desire to help you in any way. Luckily for people with debt issues, there are some people out there who will help you.This is where debt consolidation companies come into play. For many folks, this is the best way to get out of debt in the long run and it is the best way to get some relief in the short run, as well. When you go with consolidation, you are positioning yourself very well for a number of different reasons. It begins with the fact that your interest rates will be lower, but there is much more to the situation than that.Credit card consolidation is nice because it comes with a plan and a program. For people with debt issues, you might feel like you are on your own. You may feel overwhelmed and there’s reason to believe that it’s never going to get any better. This is a bad way to approach things, though. If you could have a company come to your side and give you a better way to approach the debt, that would be invaluable. This is what the best programs out there try to do. They give you not only a loan, but also a program to follow in order to fulfill the terms of that loan.If you are currently under heavy stress and you don’t know what to do, then consolidating your loans might be the best way to get out of debt. It will provide you with one loan to focus on and at the end of the day, more money that you pay will go towards paying down your loan. With so many solid companies out there providing this service, it makes even more sense to get going with a plan right away.