<human>:  What options do I have for debt consolidation?
<bot>: You may be able to pay off your debt using a debt consolidation loan. You can also look into consolidating your debt into a single monthly payment. Another option is a debt management program, which could help you lower your interest rates, repay your debt more quickly, and reduce the total amount of debt you have. You may also be able to negotiate with your creditors to lower your payments, waive fees and/or interest, and more. Depending on your financial situation, you may also qualify for a debt relief program, such as bankruptcy or debt negotiation.