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You do not want a monthly payment that will represent a financial struggle.
Before meeting with a debt consolidation specialist, make sure that you know exactly how much money you can afford to spend each month on paying down your debt. It is not pleasant to admit that you need help paying back your debts.
You do not want to take out a debt consolidation loan only to run up more debt in the future.
Do you struggle to make the minimum monthly payments on your credit cards?
Are you worried that you'll never be able to pay back all the debt that you owe?
Unfortunately, many consumers who takeout these loans do exactly that. Department of Justice maintains a list of approved credit counseling agencies.
Be careful to work with an accredited credit counselor. You can search for agencies that operate in your state.