Many debts can be consolidated into lower payments, such as student loan debt. However, just make sure that consolidation doesn't lead to higher interest rates or unmanageable payments in the long run. Along the same thread, there are nonprofit debt consolidation companies that can negotiate lower interest payments for clients.He became available only after he rejected a pay cut from the Raiders, who then traded for Seattle quarterback Matt Flynn. Before trading for Palmer, the Cardinals had to be assured he was willing to take less than the $13 million he was due this season. USA Today is reporting that Palmer's new deal in Arizona would be worth about $8 million this season.

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