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Other common ways of consolidating debts involve combining credit card debt with your mortgage, taking out a second mortgage or home equity loan, or using a student loan.No matter which method you used, the goal of debt consolidation is to combine all your debts into a single loan.Not all methods of debt consolidation involve getting a special loan.If you have a credit card with a high enough credit limit, you can use a balance transfer to put all your debts onto that single credit card.

Fortunately, there options out there if you find that you are having trouble making your student loan payments.

Lenders take it seriously when they give you thousands of dollars and they expect to be getting that money back, with interest.

Needless to say, it can be a very scary situation if you are unable to pay back your student loans.

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As is any big financial decision, borrowing student loans is an extremely serious business.