This concept essentially is a kind of debt refinancing, which means to avail one loan to pay off many others. Now you can pay your debts off easily by these three companies that will help you to be burden free. The research is based on three categories; one is public satisfaction rating, second is the debt solution offered to clients and the last one is the fees charged to the customers:

• National Debt Relief: This company has a 5-star rating for its overall performance. Being their client if you are with $7,500 debts or more, you will be analyzed based on your credit and financial conditions. Hence you will get an affordable debt payment plan. So it gets a high score in client satisfaction.
• CuraDebt: this company has 4.5 stars. As long as your debt is $10,000 or more, they will provide their service to you. This company also offers a customized plan for paying off the debt. They are quite famous among the credit card companies so they tailor-made the plans.
• American Debt Enders: this has got a 4 star for client satisfaction. This debt relief company accepts if you have debts of $5,000 or more.

Government Consolidation Loan Companies in the US:

• US government has financial institutions as they do not offer debt consolidation loans directly to the consumers. You may join one of these institutions to enjoy lower interest rates. The government gives you the grant to pay off your debts. Unlike a loan, you never have to pay back your grant. You must meet every requirement to get a grant though.
• US government also makes some low interest loans for some specific purposes. They offer home and disaster property loans, rural housing loans etc. as well as other single-purpose loans.

If you are facing trouble and currently drowning in debt, then always remember that your credit card companies will never negotiate so it is better to get a debt consolidation loan and be debt free!