If your main goal right now is to get out of debt fast, that should not be your primary reason for choosing a solution. To make a smart decision about your debt relief program or debt loan consolidation, there are two important considerations that has very little to do with how fast you can pay off your debts.
Make sure you can afford the payments of the debt solution. First of all, you need to know your financial capabilities. This simply means you need to know what type of program can suit your payment abilities. There is a right debt solution as loan consolidation for every financial situation. If you have enough to pay for your basic needs and your debt payments at the same time, then a solution that provides a structured payment scheme should be enough for you.
Consider how the debt relief process will affect your credit history. Your financial goals are simply what you want to happen after you get rid of all your debts. Some people have not looked past their goals of getting out of debt. However, it is highly advised that you draft out even a generalized plan so that you can make a better choice. Most of the time, the issue here involves your credit score. Regardless of your financial goal, whether that is to buy a home, put up a business or even get a new job, you will find that your credit score will play a role in all of them.