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There's no doubt you'll have heard plenty about debt consolidation loans - our TV screens are full of adverts promising freedom from financial worry, and the internet is positively flooded with solicitations to lock in a low rate with a refinancing package.
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But is debt consolidation really as simple as all that? Of course there are benefits to restructuring your financial life in this way, and the adverts aren't shy of pointing out the positive side, but before embarking on this course of action there are a few negative aspects you'd be well advised to consider. Only then can you make a fully informed decision on whether debt consolidation is right for you.
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