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    The best way to consolidate a large amount of credit card debt (anything over ,000) without taking on a new loan, is to enroll in a Debt Management Plan.Most financial experts agree that a Debt Management Plan (DMP) is the preferred method of debt consolidation.

    When you're choosing the term of a loan, consider the total amount of interest and fees you’ll pay.There are several types of DCLs, including home equity loans, zero-interest balance transfers on credit cards, personal loans, and consolidating student loans.It is a popular way to bundle a variety of bills into one payment that makes it easier to track your finances.The best way to consolidate credit card debt under ,000 could be to get a zero-percent interest credit card and transfer balances from high-interest credit cards over to it.You also could look at a personal loan to pay off your balances.

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