Are Debt Consolidation Loans Difficult to Get?

Nothing bothers me like a whole lot of debt. I hate having to watch every cent I spend and worry about how I am going to pay the bills. There is only so much I can do to minimize my expenses. Can anyone tell me whether or not debt consolidation loans are difficult to get? I think it would make things easier if I only had one bill to pay that was at a lower interest rate than the ones that I am paying now. At least I would only have one minimum payment to meet, which would hopefully be less than the totals of the ones I am paying now.

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