Debt consolidation is a good way to accomplish to get on the path of being debt free for a few reasons
. First, you can lower your interest rates. Second, bills are conveniently lumped into one-consolidated. Third, penalties and late fees are wiped out. Smaller bills spawned by the lower fees and lower interest rate of the consolidation loan give you the opportunity to use your monthly income for more legitimate personal expenses. Or, more importantly, these savings give you extra income to pay down your debt at a faster rate. Getting you debt free faster. Look into the various california debt consolidation loans and solutions that are available online that take little time to apply for and usually without even pulling your credit.