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Debt consolidation loans are not for everyone and not everyone is truly in need of one of the credit card debt consolidation programs to consolidate their debts. The best way to find out if you will benefit is to speak to one of the certified debt counselors. He or she will review your debt situation and, together with you, decide whether or not you are a good candidate for debt consolidation loans or enrollment in a credit card debt consolidation program. Contact a debt counselor today to see how much you could save now!