StepChange is a well-known UK debt advice charity, and its guidance can help you compare consolidation with alternatives such as a debt management plan or other repayment options. A consolidation loan may simplify payments, but it could cost more overall, extend the borrowing period or put assets at risk if secured against your home. StepChange should review your income, spending and debts before suggesting a suitable route, but it does not make the lending decision. If you consider a loan, compare the total cost and use an FCA-authorised provider, checking the terms carefully.