After I graduated from college I found myself without a job and a large mountain of debt. I had used credit cards all through college to pay for everything from books and clothes, to gas and food. One day I sat down and went through all of my accounts and realized just how much trouble I was in. A friend recommended that I look into credit consolidation. I had nothing to lose so I made a few calls and found a reputable credit consolidation company to work with. They helped me negotiate with all of my creditors for lower interest rates and monthly payments. Then they arranged it so I could make just one monthly payment to them, which they then dispersed to each individual debt. This program helped me to pay off my credit cards in two years and I avoided having to file for bankruptcy. I would recommend this to anyone that has the same problem I did.