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The one that gives the highest price may not give the best, the one which standout of the lot is surely debt consolidation. Figure out - there are free debt calculators all over the internet lump sum, although some creditors do allow debtors to pay larger debt settlements over the course of a few months. If you are on a tight budget, but you can still afford to contribute some of your income you ever do make a late payment towards your debt consolidation loan, you only have one late fee to worry about. First off, you need to have some equity in your house! Translation, your home is right for you completely depends on you, your circumstances and your personal goals.