Credit and Debt Consolidation

My hubby and I have credit card debt. Even though I don't like to have debt, it's sometimes inevitable especially in times of economic downturn. In the past couple of years, we have received many credit card offers. In fact a few weeks ago, I received some in the mail and I applied for two of them because they are 0% APR for a year.

Earlier this year we got a very attractive loan offer basically a 0% cash advance for one year. We used that sum of money for our debt consolidation and paid off our travel expenses to visit my family half way around the world.

We still have loans to be paid off though and we are looking for the best interest rates on debt consolidation loans because I want to get out of debt as soon as possible. I am not sure when I will be out of debt because I will start paying my brother's college tuition fees in the next few weeks. Right now I just want to educate myself about the best and least complicated way to get out of debt. I found out that at 3DebtConsolidation.com they have some helpful information related to debt consolidation.