If you are a student who is just finishing up with college, please guarantee that your finances are all in order before leaving. Everyone knows how hard it is to get through your college years without some kind of student debt. Be sure you are aware of how much money you can afford to pay back on your current credit cards and your student loan consolidation combined.Many of the charges that will be included in your credit card and student loan consolidation are fees that the lenders charge for letting you have the credit to begin with. This gives the credit repair companies a chance to reduce the total amount you owe, most of the time by almost half.If credit card and student loan consolidation is dealt with before you leave your current course of study, it will be easier to handle it and get it paid off in a timely fashion.Your credit card debt can get away from you really fast if you don’t take care of it as soon as you have a life outside of college. A credit card and student loan consolidation program will allow you to make a lower payment than you might be expecting, allowing you to have more cash for life’s little emergencies that are always emerging in everyone’s life.If you are thinking about getting a credit card and student loan consolidation, do your homework to guarantee that you have all of the information to make an educated decision about what to do with your debt and how you can be free of it sooner. It is also wise to make a budget for yourself, as it is essential to have a budget for a healthy financial life.