Many people wait until they are overwhelmed by debt before they seek debt solutions. The best way to maintain your credit score is to seek debt consultation before your creditors are beating down your door. If you're wondering how to find help with the debt you have, try your creditors first. Depending on your income and credit score, many credit card companies are willing to negotiate a lower interest rate. If you have numerous student loans, call FAFSA or Fannie Mae and gett your options for a student loan consolidation. You may reduce the number of payments you're making to separate lenders, and you'll often get a better interest rate. Also, if you are having trouble with your mortgage or your home equity loan, contact your mortgage company. Investigate refinancing solutions. To ask for help is taking the first steps towards getting control of you debt.