Balancing your loans and your debt is a tough thing to do and it's very easy to get behind on debt loans. You need to assess your debt situation and really make some changes to move forward. Sometimes the decisions can be tough. You may need to bring in a roommate, or downsize your apartment or condo. You may need to trade in your leased or expensive car for one that is more economical. You may need to substantially change your shopping or dining habits to get a jump on your debt situation. Combining your debt into one manageable payment can be a good beginning.