If you have a number of debts you can merge them together into one loan to lower your monthly payments. You borrow enough money to pay off all your current debts and you now only owe money to just one lender.
If you own your home you can borrow against the property, typically with a secured loan. Secured loans typically offer some of the lowest borrowing rates and the repayment term can be as long as 25 years.
You must remember that your home maybe repossessed if you do not keep up repayments.
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