Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.

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Consolidate your student loans into one payment, that will help. You should apply at a couple of places as they all have slightly different perks. (discounts for auto deduction of payment, on time payment discounts, etc.)

A couple you can try is Student Loan Advisors at http://www.StudentLoanAdvisors.com/ and Chase Bank has an online student loan consolidation offer you can find through http://www.usadegrees.com/consolidate/

After you consolidate your the student loans, you can put the extra money each month toward paying off the credit card.. I think that would be the best way to handle your current situation.

Good Luck!

By consolidating, you not only reduce yourr long-term debt but you can also help change your credit score for the better over time.

One of the better sites for info on how to do this is at

http://www.collegecashplace.com

Sounds like you’re on the right track. I wish you the best!