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There are also several consolidation options available from the federal government for those with student loans.Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation.“We recently had a client that came to us wanting to refinance their existing home loan, and they were looking to consolidate a credit card debt of ,500 and a car loan of ,000 at the same time,” Bartels says.“Initially, their friends had advised them to consolidate the debt directly into their home loan when refinancing, which would have meant they were financing this debt over 30 years.Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.this property lender operates separately from top-10s and provides resources for home buyers to secure financing each step of the way.consultants assist each client getting loan applications approved, calculating projected interest rates based on credit history, managing monthly house payments and researching the best loan terms to fit individual incomes.

For example, if you purchase a car you might structure the financing over five years, because at the end of the five years you may consider selling the car.” If you were to structure the financing for your car over 30 years, it means that if you sell the car in five years time, you’ll actually end up holding onto the debt for an additional 25 years – which dramatically increases the overall interest you’re paying for the car.Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.There are several ways consumers can lump debts into a single payment.The advantage for our clients was that it reduced their overall monthly repayments substantially, as they only had one mortgage payment to make.“We sat down with them and when we explained that they would be paying for their purchases on their credit card or for their car for the next 30 years, they soon realised that this wasn’t the best way to structure their finances!

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