Making the decision to pull in the reins and take control of your financial situation through debt consolidation is the difficult part. After all, no one wants to admit that they have spent more than they can afford or that they simply don't know the first thing about managing their money. Actually, applying for the loan that you need to combine all of your debts into one lump sum is the easy part. Searching for an online lender to help you with your debt consolidation is the wisest course of action you can take since it will provide the largest number of options to you. Take that first step to regaining your financial freedom with a shortened payoff time, lower interest charges, and the smaller monthly bill that an online lender can provide for you today.