You borrowed on the refrigerator; you pay off the car and still have to pay for your new house. When you look at the bank statement, it will be a headache around. And yet each installment fees, account management. Consolidation or combination of debs into one single can help you. Try, if you would not solve the so-called debt consolidation. You can choose the bank that parallels for you all commitments, and then you repay one debt with the fact that the total payment will be significantly lower than those several existing together.
Loan consolidation already thinks when you pay too much. You have to get done before you hire caving so that you have a problem with their payment. The new bank will not accept you because when you elsewhere serve as a defaulter. The easiest way is to try with your bank if you extend the repayment period. Conditions are generally similar. Negotiate before you hire deal. If you decide to take advantage of consolidation, then you do not pay that much. If you will have a higher income later, you can start saving and loan to redeem the outstanding payment.