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There are only three key steps to renegotiating debt, but they're not simple.

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A loan with a longer term may have a lower monthly payment, but it can also significantly increase how much you pay over the life of the loan.

View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

Examine your income and other fixed expenses, and determine realistically how much you can pay. People who do make budgets often make them too tight with no room for expenses that pop up less frequently than weekly or monthly.

"You have a senior in high school and you have to rent a cap and gown, pay for senior pictures and a senior ring," Cunningham says.

For instance, if you miss two $200 payments on a $10,000 balance, the third month's bill will make it $600 that you owe.