Become debt free in 4-6 years. It’ll take you a lot less time to pay off the debt if you pay a little more than the minimum on your credit cards. A debt consolidation plan organizes your payments so that you don’t have to carry on with an account for too long. It speeds up the time you need to get debt free. Debt consolidation program can help you eliminate your debts in as long as 4-6 years. Compare with the average 20 years!