<prompt> Human: Hi, Im a 28 year old female that works as an IT project manager. Ive accumulated about 40k in student loans and 8k in credit card debt. Ive done the thing for several years where you switch credit cards to get 0 interest for a year and pay them off little by little. The credit cards and on my students loans have accumulated too much interest and Im paying 800 or more a month on debt bills. I need to do debt consolidation now. I need help with monthly payments and managing everything. I was wondering if anyone knows of a company to do debt consolidation with, what exactly is debt consolidation and what is some good advice moving forward?  <response>: Debt consolidation rarely works well.It may be best to list your complete spending and income for a month so we can review with you to find areas that can be trimmed.8k in credit card debt is not insurmountable. 