Millions of Americans are finding it hard to pay their bills and dig themselves out of debt. Many are turning to debt consolidation for help. While the biggest problem seems to be credit card debt, other debts such as; tax debts, medical bills, student loans and personal loans can all be included in a debt consolidation plan. Debt consolidation is a simple process that can be done over the Internet. A person needs to search for a lender that is listed in the Better Business Bureau. It is also.