The Debt Consolidation Pro Plan helps review the top debt consolidation plans based on your financial situation. See if bankruptcy, credit counseling, a debt consolidation loan or debt settlement is more appropriate for your debt problems. There is no one-size-fits-all solution that will work for every consumer struggling with debt. It depends on your income, expenses, and level of debt. Learn about the costs of each debt program along with who it is best for and how long it will take to complete each program.