Has anyone had any success using a debt consolidation program? If so, which one?

I am about ,000 in debt due to school loans and credit cards. I am looking to consolidate my payments because I have multiple lenders as well as credit cards. Has anyone used a debt consolidation service and it has not been a total rip-off? I don’t even know how it works to consolidate debt. [...] http://bit.ly/kctyRB