debt consolidation loans

You seem like you're new here, if so welcome to the forums. I'm hoping that someone will come along to help you out with that...why are you considering loans as opposed to consolidation company? the reason i ask is I am very wary of loans as they can accrue interest whereas a consolidation company can/may be able to consolidate your debt, come up with one monthly payment (that includes fees but fees are more reasonable than the interest in many cases) and then take that one monthly payment and disburse individual payments to the creditors who agree to to the terms and conditions of your plan. what kind of debts do you have? how much?
try the free consultation too if you haven't already. see what a debt professional from this site says and see if there are any other options maybe you havne't thought of. good luck and please let us know if you find an answer to your question as surely others have been or are in the same situation. I hope that someone comes along soon to give you an answer to your ? take care