Some debt solutions or debt consolidation plans come with fees. Now, if you are paying 1% and you are saving 10% the savings are obvious. Calculate the costs and accurately figure out what you are spending vs. what you are getting back. Often, individual debt consultation is not fee based as they create a debt solution for you. Business debt consultation often does have a fee structure. If you've researched your options, you won't be surprised by the possibilities laid out by your debt consultant and you'll be able to make an educated decision about your plan of action.