I have heard bad things about debt consolidators. The gov't has a program to help but I don't know how to find them - any ideas?

I am a young professional that is over my head in private student loan debt and credit card debt. I have found several companies willing to help me with my credit card debt but no luck with the private student loan debt because it is not considered "secured" debt. My interest rates on these loans are over 20% making my monthly payments total $700. Because I have credit problems in the past I am considered a "high risk" thus unable to get the banks to reduce my interest rate. Does anyone know of an agency that is willing to help people with "private" student loan debt? I am looking for some type of debt consolidation that would reduce my interest rate and lower my monthly payment. Please keep in mind these are private student loans not government loans. Thanks in advance!

I am wondering where to find a trustworthy list of reputable debt-relief/debt-settlement or consolidation programs. I also need to know where to find a comprehensive list of ALL of my debts (not just the ones appearing on the credit report). Thanks.

Where do I look on the internet to find the best debt consolidation loans? What are the best sites to look?

I want to pay off a terribly high interest credit card ive had for many years ,my wife missplaced the bill and now they defaulted my special interest rates to theyre maximum,this is after years of never missing or being late.

I just want to get out of debt and repair my credit rating as soon as possible. I have a good income but the credit cards have gotten out of control.

Im 23 and I have major debt from mostly medical treatments from the past 5 years. I wanted to know if there are any legitimate programs out there for people in 30,000 worth of debt?

I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.

I am looking to take out a loan to pay off about $4000.00 in credit card debt. Unfortunately, my credit score is pretty low. How do I find a reliable place to borrow money from? I understand that my interest rate will be higher. I'm just not sure where to begin looking or where to start for that matter. thanks.

Can anyone give me a website where i can get debt consolidation loans? thanks