Its a method of acquiring money from their house, manufactured home, town home or condominium. Deferment of your consolidation payments when you return to school or you are having economic hardships. The uncertainties are big reason to worry for people who are making their living on loan options. I have filled out several unsubscribe notices to no avail. Free download of Excel Import Multiple Excel Files Software 0, size 40 Kb. Accreditation means that the services of the debt consolidation credit counseling agency are endorsed by another organization that confirms their high standards. Everyone knows how quickly monthly credit payments can add up.