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Others succeed because debt consolidation is part of a bigger plan to gain control over their finances.

So the first step in debt consolidation is simply to consider whether it will actually work for you.

Debt consolidation allows borrowers to roll multiple old debts into a single new one.

Ideally, that new debt has a lower interest rate that makes payments more manageable or lets borrowers pay off the total more quickly.

With mortgage rates still near historic lows, consolidating credit card debt in a refinance can substantially lower monthly expenses. With their savings dwindling and credit card debt mounting, they looked to their most valuable assets: their center-city Philadelphia home and a second house they were renting out.

Three years after Ray left an executive position, he found himself earning a fraction of his former income, while his self-employed wife, Jo Ann, struggled to make up the difference in a faltering economy.

If you are consolidating debt just to get a lower interest rate without really knowing how you’re going to pay the debt off, then you are simply moving the problem around instead of facing it.The problem is that student loans can be included in the buyer's debt-to-income ratio, or DTI.This ratio is one factor lenders use to decide whether a buyer can afford a mortgage payment."I would only suggest this as a last-gasp strategy," says Susan Reynolds, author of "One-Income Household." "In general, rolling credit card debt into mortgage loans is not a good idea. If you renege, they can pester you for payment and ding your credit report, but they cannot confiscate your home." Todd Huettner, president of Huettner Capital, a mortgage brokerage specializing in debt consolidation, advises homeowners to answer three questions before rolling debt into a home loan: After working with nearly 5,000 families, Susan White of Plan Plus Inc.You will pay significantly more in interest over the life of the homeowner's loan than you would if you chipped away at your credit card debt over a period of three to five years. has her own reasons for advising against rolling debt into home loans.




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