What or how is a best way to get out of complete debt?

Question by Shytye: What or how is a best way to get out of complete debt?
I am at lest $ 20,000 dollars in debt. This includes credit card, payday loans, and a student loan. Yet! I'm confused as to what is debt consolidation and how is works. I'm disabled and on a monthly fixed income anyway. How does debt consolidation work? What are the pros and cons. What are my options at this point. Anybody got any suggestions-only serious and helpful answers are wanted. I just want to be debt free.

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