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You are probably aware of just how much of an impact the easy credit culture that existed prior to 2008 has had on families and people like yourself as we were encouraged to take out credit and pay for our expenses in easy monthly installments rather wait... http://www.articlealley.com/http://randydehetre.articlealley.com/what-is-a-debt-consolidation-loan-2340650.html 24th August 2011 Debt Consolidation Means a Lifestyle Change When it comes to personal debt, financial experts from around the world agree on one thing: it is a symptom of a much bigger problem with the individual. 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