One fact that is well known to every person that has gone through a college or any school is that it is nearly impractical for you to go through your studies without accumulating one form of debt or another. Making sure that your financial situation is alright after leaving school or college is very important and must not be treated with levity.

A credit card and student debt consolidation loan starts before you wrap up college or school. If you handle it properly, the loan can be paid off easily and without tension. But if you can't, you will have problem paying back the loan according to schedule.

Most of what you will be required to pay back are the charges that the banks and the credit card companies put on the money you borrowed. You may even be lucky to find some companies that will not only aid you with credit card and student loan consolidation but will also aid to prune the debt. Getting some of these companies may take time but it is well worth trying out.
It is very possible for your credit card to get out of your control if you don't deal with it as soon as you leave college or university. This is where budgeting comes in. The need to have a budget in place cannot be exaggerated. You need one that you can stick to. This will go a long way to aid you pay back the money when it is due.
In conclusion, I will beg you not to rush into any credit card and student loan consolidation program you come across online. There is need for you to really understand everything that is involved. This is why I ceaselessly beg people like you to always find a trusted attorney that can aid them before putting pen into paper with the consolidation company. It will save you a lot of headache now and in the future.