If you've got more bills than you can handle, you may want to consider debt consolidation.

Debt Consolidation allows you to simplify your bills and reduce payments. However, this form of debt management isn't for everyone. Primarily, it benefits:

• Those with high-interest (above 18%) debt
• Those with too many credit card bills
• Those who want to simplify their bill-paying

Looking for lenders to help you consolidate your debt? Take a look at our favorites below:

Piggy says: Recommended by Dr. Phil, The Wall Street Journal, and CNN, LowerMyBills.com is a free site for those looking to save money.

• Excellent resources - helpful articles, loan calculators and more
• Application form only takes 2 minutes to fill out
• Get free quotes from up to 4 lenders
• Click here to learn more

Piggy says: FinancialAid.com's customer service and easy application form make it an attractive choice for those looking to reduce their student debt.

• Student Loan Consolidation
• Up to $1800 Cash Back or more
• Reduce monthly payments by up to 54%
• 1.00% interest rate reduction after 36 on-time consecutive payments
• 0.25% interest rate reduction if you auto-debit payments from your checking account
• Click here to learn more

Piggy says: Credit & Debt's excellent articles and frequently asked questions on debt consolidation make this site worth a visit.

• Free quote
• Minimum $5000 unsecured debt
• Wealth of FAQs and articles on how to reduce your debt
• Click here to learn more

Piggy says: LoanHounds helps homeowners refinance in order to consolidate debt. They offer up to four competitive quotes in 24 hours.

• Free quotes from up to 4 mortgage lenders in 24 hours
• Easy application form only takes 30 seconds to fill out
• Safe, secure, and confidential - LoanHounds has processed over 2.1 million loan requests
• Click here to learn more

Piggy says: LowCostLending requires no initial credit check and offers you up to four free no-obligation quotes.

• Free quotes from up to 4 mortgage lenders
• No initial credit check
• Click here to learn more

Piggy says: Next Student is another lender who will work with you to reduce your student loans.

• Reduce payments from $100-$500 a month
• No credit check, no fees, no prepayment penalties
• 1.00% interest rate reduction after 36 on-time consecutive payments
• 0.25% interest rate reduction if you auto-debit payments from your checking account
• Click here to learn more

Piggy says: Quicken Loans provides personalized customer service, and can help fine-tune your loan to fit your particular financial situation.

• Confidential, no-obligation quotes; no social security number required
• Get free advice online or by calling their toll-free number
• Click here to learn more