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If you're like most people, you need to figure out a strategy for paying off loans.

While it would be a lot easier to just pay cash for most things, the reality is that most of us don't have several hundred thousand dollars lying around.

Pro #3 — If you've had past credit problems, creditors are likely to hassle you less if you're working with a debt consolidation firm.

If, for example, you do start to get calls from creditors, a reputable debt consolidator will often be willing to speak on your behalf. For example, when you go with a debt consolidation plan, you're required to stop increasing your overall debt, which often includes limiting the use of your credit cards.

As part of the process, you’ll need to provide details about your existing federal student loans, and choose a federal loan servicer and repayment plan for your new consolidation loan.

You have to complete the application in a single session, so do your research before you start. You can consolidate all your federal loans or just some of them.

So when you get a debt consolidation loan, you can look forward to a certain amount of personal attention.

Pro #2 — Interest rates are usually pre-set by creditors, so the debt consolidation firm handling your loan can definitely get lower interest rates and reduce (or even eliminate) late fees better than you can.

In debt consolidation, you pay your debt in full with no negative consequences to your credit.

Whom do I contact if I have questions about consolidation?

There is no cap on the interest rate of a Direct Consolidation Loan.

Such loans also tend to offer a longer repayment period.

So if you want to look at the pluses and minuses of debt consolidation for your personal situation, you might want to start by considering your monthly cash flow — and ask yourself the following questions: Pro #1 — When you opt for debt consolidation, you have only one creditor to pay, and that company will call your creditors and negotiate on your behalf.

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