Debt consolidation counseling refers to a process in which an individual or organization helps people who are struggling with debt by providing them with advice and support on how to manage their finances. This can include helping individuals understand their options for paying off debts, negotiating with creditors, creating a budget, and providing guidance on how to avoid future financial problems. The goal of debt consolidation counseling is to help people become financially stable by reducing their debt and improving their overall financial well-being.