With the advent of student debt consolidation, a number of student loans consolidation companies have appeared, each one offering a number of payment programs to ease the tension of student debt. While all of them may sound like a dream come true, it is worthwhile to do some research before diving into a student loan consolidation plan.Student debt consolidation is often a last resort for students who see student loans piling up year after year. Eager to deal with debt issues quickly so they can focus on their course work, many students may blindly sign for the first student loan consolidation program they come across. Before opting for any sort of student debt consolidation, do a background check to see if these student loan consolidation companies are offering you what you really need.Read The Fine PrintAs with any financial program or set up, student loan consolidation companies have their own set of fine print and it is imperative that you read these before signing. When reading through the documentation, look for the kind of interest rates that are being offered and do some calculating. Oftentimes, interest payments can exceed the amount of the actual loan.Remember that these kinds of student debt consolidation programs can extend for as long as twenty years. The last thing you need is to be saddled with a debt program you are unsatisfied with for two decades. Make sure you are completely clear about what you are signing up for.Dos And Don’ts For Student Debt ConsolidationThere are a number of important tips you can keep in mind when sifting through student loan consolidation companies. Avoid companies that ask for large fees upfront. If there are any initial fees, make sure you know what they are for. Don’t let the company rush you. Shop around and compare financial packages before committing to anything.Before signing, make sure you have a physical checklist of everything covered in the student loan consolidation program. Check with the Better Business Bureau to ascertain whether the company has a track record you are comfortable with. Also, ensure that the company is accredited by the Association of Independent Consumer Credit Counseling Agencies.With so many student loan consolidation companies, it can be hard to decide which one suits your needs best. By following these simple rules and doing a little research, you will be able to find a company that offers a student debt consolidation plan that works for you. Having the right debt management package can make a world of difference in ensuring a stable and bright financial future.