If you're overrun with credit card bills, you may have considered a debt consolidation loan or service. By choosing to lump your bills into one monthly payment, you'll find it's easier to track, manage and pay your debts. So if you need to get free debt consolidation quotes, try:

Tapping your Home Equity: Check with your current mortgage lender to find out the cost of a Home Equity loan. The lender should be able to give you a fairly accurate assessment of how much you can borrow, an estimated interest rate and a list of fees. Moreover, he/she should be willing to give you this information absolutely free.

Calling a debt consolidation service: Look for a debt consolidation service either online or in your local yellow pages. When you speak with a representative, ask if the service provides a free initial consultation. Many do, especially those that are non-profit organizations. Your free initial consultation should include an estimate of the total cost of all your fees and costs in exchange for the debt consolidation company's assistance.

Asking your bank: It's possible to get a personal loan from a bank or credit union that you can use to consolidate all your debts. In general, most bank representatives are happy to give you a breakdown of your costs--including fees and interest rate--for free at your request. They may even be able to give you the total cost of your loan by the time it's paid off.

Using an online calculator: If you're more the DIY type of person, consider using an online calculator. Many folks consolidate their debt by transferring all their credit card balances to one low-rate card. And you can use an online calculator to see how much interest you'll actually be paying--including any annual fees--if you use this debt consolidation option.