Answer
A consolidation loan would help you by lowering your repayments but remember the term of the loan is important to the amount you pay back. make sure you can afford the repayments!
unfortunately, my company will only lend in northern ireland, not republic. but i am
sure there will be some brokers over there to help you. use a broker, as although there will be fees, they will point you in the right direction and protect your credit score.
