What debts should be consolidated?
 

What practical tips and best practices would you recommend to people thinking about consolidating their debts to help them determine what debts to consolidate, what financial tools to use, and how to create a debt repayment plan that takes into account their unique financial goals and capabilities?

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Hey pal, I suggest you take a closer look at the reviews of the company you're considering as your potential lender. It's important to get a comprehensive understanding of their services from an outsider's perspective. For instance, I recently came across some reviews of credit9 lending, which made me realize it wasn't the best choice for me. So, you might want to adopt this strategy as well.