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Debt consolidation loans online can offer people who do not own their home a loan to help them consolidate their bills. Keep in mind that the loan is not directly handed to you in most instances; rather, the loan is applied to your debts. In addition, if you are a student, there are sources online that will help you reduce your student loans, or else get you the cash to payoff the debt. Many of the online debt consolidation sources have online tools to help you review the savings of consolidating your debts. Again, having your bills together when you go online will save you time and energy. Is your credit score becoming a barrier when applying for loans? Now, obtaining a loan with bad credit has become much easier than ever before. Now many lenders in the financial market will provide bad credit secured loans. Such loans are especially designed for people with a bad credit history. There are many lending companies that specialize in bad credit secured loans and offer them to people with less then perfect credit.