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Im I Want To Consolidate My Debt Ment . Then, you can transfer all your outstanding debts to this card and try to repay the amount. Work with a nonprofit credit counseling organization. Do I Need to Consolidate My Debt Protective Life from www.protective.com Here are five ways to consolidate credit card debt: Take out a new loan with a lower rate and pay off your other debts. Manage your debt with a personal loan get started.