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If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.

If the total of your debts is more than half your income, and the calculator above reveals that debt consolidation is not your best option, you’re better off seeking debt relief than treading water.

Credit counseling services provide various resources to help solve your money problems.

Servicing Melbourne, Sydney, Brisbane, Perth, Adelaide and throughout Australia.

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. It can reduce your total debt and reorganize it so you pay it off faster.

If your debt load is small — you can pay it off within six months to a year at your current pace — and you’d save only a negligible amount by consolidating, don’t bother.

Try a do-it-yourself debt payoff method instead, such as the debt snowball or debt avalanche.

You always make your payments on time, so your credit is good.

You might qualify for an unsecured debt consolidation loan at 7% — a significantly lower interest rate.

It doesn’t address excessive spending habits that create debt in the first place.

It’s also not the solution if you’re overwhelmed by debt and have no hope of paying it off even with reduced payments.

If you’re dealing with a manageable amount of debt and just want to reorganize multiple bills with different interest rates, payments and due dates, debt consolidation is a sound approach you can tackle on your own.