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Get valuble Online Debt Consolidation information. CareOne credit is the leader in online debt consolidation. Debt consolidation is the general term used to describe a debt relief option where individuals and families consolidate all debts into one single payment. Normally debt consolidation loans combine multiple high interest rate debts into one lower interest rate loan. In theory, this makes a lot of sense, but quite often there are better solutions available. Starting with our quick form on the right, we can look at the types of debt you have quickly connect you to companies that can help you with your individual needs.