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people do debt consolidation and they take five or six cards a medical bill whatever bill these handful of bills they got laying around and they go get a second mortgage on their house or they go get a little unsecured loan at the credit union and they do debt consolidation or worse than that they go down to one of these ripoff financed storefront places and they do debt consolidation and pay twenty six percent interest so we consolidated a bunch of eight nine ten percent interest rates to twenty six to start with that would be mathematically stupid but at least theyll just got one payment and thats our brains work right and so heres the problem though that doesnt get you out of that you just moved it you cannot borrow your way out of that heres the numbers eighty-eight percent of the people that do debt consolidation continue in the negative habit pattern of overspending not having a budget and they go further into debt because they dont change their habits and they feel like o