Help is available to consolidate debt. Debt consolidation can take the many pay interest payments you have on credit cards, your mortgage, car and personal loans and roll them in to a lower single monthly payment.
The first thing I did when I went to research reducing my month payments was to do a debt inventory. My credit score was still good because I had not defaulted but I was nearing the edge, where my monthly payments would soon be more than I could cover with my pay. So I decided to take charge and see what debt consolidation options were good for me.