Do I have to own a home in the debt consolidation program?

Since debt consolidation is not a loan, no - you do not have to own a home to consolidate your credit cards.

Debt consolidation, like is offered by the partners of this site, is for unsecured debts. Credit cards, medical bills, old utilities (not your current services!) and such.

You can sign up to receive free counseling here on this site. A consolidation expert will call you and review the choices that work best for you. You have no obligation to join, though for us it was a no-brainer. The consolidation group contacted our creditors and got them to agree to lower payments and lower interest rates. We had about $15K in debt (medical and credit cards) and we will be debt free in less than three years now! Our interest rates dropped from 25-29% to 5-15% depending on the creditor. We are paying slightly less per month, but we were able to add in some medical bills we hadn't been paying.

Good luck!