http://www.alldebtservices.com/debt/debt-consolidation/debt-consolidation-loan/ A debt consolidation loan doesn't come in one form. There are several ways you can go about securing a debt consolidation loan. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 There is no single program offering just a single type of debt consolidation loan. Options? YOu'd better believe there are options - options by the boatload! If you own a home you can take out a debt consolidation mortgage and enjoy the low rates and long repayment terms. If your credit is stable you can apply for a standard debt consolidation loan from your bank and not have to worry about paying a company to do that step o your behalf. Or you can, you can enlist the assistance of a company specializing in debt consolidation - they'll negotiate down your due amounts, manage your repayments and help you settle the score, all for a very high, and very essential, price. So take your pick - just make sure its the right pick for you, and its something that you can handle. The right debt consolidation loan Here at All Debt Services we believe there is a single best debt option for everyone - but its up to you to discover that option and to know how it works. We can however point you in the general direction to success, toward a debt consolidation loan built with your debts and your abilities in mind. Begin with your assets - what do you have and how able are you to borrow against it? If you are paying 25% APR for a series of uncontrollable debts, and you can secure debt consolidation loans against your home equity at 10% APR, the move just makes sense. Next, take a look at the amount of debt you face, and see if an amount you can realistically repay. $20,000 might mean almost nothing for some of us, but it might be an absolutely ridiculous sum for others looking for a way out. Paying a company to manage your debt consolidation loan and help you bargain down that debt amount will be a major benefit to you - even at the expense of your credit score. To put it simply, don;t give up the search for a debt consolidation loan just because you haven't found a good opportunity yet. You never know - something better is probably just around the corner. Sat, 26 Jul 2008 15:00:00 EDT