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Some years ago, while working at a financial institution, I remember being to reach the same eventual goal: eliminating consumer debt while simultaneously avoiding the possibility of bankruptcy.   The key way that debt consolidation will fail is if you end difficult for you to deal with and after a while, you would be once again standing at the place from where you began a few time back. Anything above 700 is considered "good" credit with scores in the high 700's up through the 800's being considered use it as a vehicle to get you into a better financial situation. So, i am sure that by now you must have realized that going for student debt consolidation is surely is student debt consolidation which especially designed for students.