Perhaps all you need to do is to prioritize your debt.

Do you really need to consolidate your debt or are there other options?

In other words, you should try and pay the maximum amount you can on debt that has a high interest rate, and the minimum amount on your other smaller debts.

This way you will be able to lower your monthly charges and even save some money.

You can also consider getting help from professionals – for example credit counselling. They will offer you professional advice on how to budget and manage your debt effectively.

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