If you thought debt consolidation is only good for credit card debt, then you're wrong. Sometimes people are struck with an illness but they have no insurance or is underinsured. So aside from worrying about the loved one who is sick, the relatives also worry about the debt they will incur. If you can not pay your medical bills then bargaining for a payment plan or medical debt consolidation may be your only option. You can ask for lower rates if you meet their requirements. It's still not easy but it will lessen the burden you have on your shoulder.