Still only paying the minimum on your credit cards? Looking for a lower interest rate on a current loan? While it can feel manageable month to month, minimum repayments mainly cover interest, meaning debt can quietly drag on for years. A £5,000 credit card balance could take 35 years to repay!
Over time, that can increase money stress, raise the risk of missed payments, and cost far more than expected.
Debt consolidation is designed to stop debt lingering. Instead of juggling multiple balances, you combine them into one structured plan with a clear end date — so you know exactly where you stand. No nasties. Just clear terms and simple repayments.
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