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Consolidate Your Debt
Consolidate high-interest debt into one payment and regain control of your monthly finances.
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Need help with debt consolidation?
Compare options from trusted professionals who can help you review your debts and explore consolidation solutions that fit your situation.
Combine multiple debts
Simpler monthly payments
Clear repayment structure
Guidance from professionals
How it works
A simple process to review your debts and compare consolidation options step by step.
Share your debt details
Begin by outlining your current debts so debt consolidation options can be reviewed based on balances, payments, and overall financial needs.
01
Review available options
Professionals explain possible consolidation approaches and how each option may affect payments, timelines, and overall costs.
02
Choose a clear next step
After reviewing the details, you can decide on a consolidation path that aligns with your goals and comfort level.
03
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Understanding consolidation
How consolidation works
Debt consolidation is a financial approach that combines several debts into one payment. Instead of tracking multiple due dates and balances, you follow a single repayment structure that is easier to manage and monitor over time.Consolidation can involve different solutions, such as loans or structured repayment programs. Each option works differently, which is why understanding terms, fees, and repayment timelines is an important part of the decision.
Before choosing consolidation, it helps to review your total debt, interest rates, and monthly obligations. A clear overview allows professionals to suggest options that fit your financial situation without adding unnecessary pressure.
Pro Tip
"Review interest rates, fees, and repayment terms carefully before choosing a consolidation option.
Expert debt guidance
When managing multiple debts, clear and reliable guidance can make a real difference. Debt consolidation professionals help review your overall financial situation, explain how different consolidation options work, and clarify what each approach involves. With expert input, you can better understand your choices, ask informed questions, and move forward with a clearer view of your financial direction.
Reducing financial stress
Managing multiple debts can create ongoing pressure and uncertainty. Debt consolidation helps bring more structure to repayment, making it easier to keep track of obligations and plan ahead. With fewer moving parts to manage, many people find it easier to focus on daily priorities and approach their finances with a greater sense of control.
Is Debt Consolidation Worth the Cost?
Evaluate whether consolidation costs may be worthwhile.
Livin2
Jan 1, 2026
Hear from a debt specialist
Featured Partner
Johnson Edwards Accounting LTD
Operating as a team of trusted, experienced accountants, Johnson Edwards has been providing accounting services for over 50 years.
Passionate about nurturing long-term, working relationships with their clients, they aim to provide a transparent and accurate service that helps businesses grow.
How long have you been in business?
We’ve been operating as a team of chartered accountants for the last 75 years. Our company is well-established, with some of our clients working with us for over 40 years.
Will I work with one professional throughout the process?
Yes. You’ll work with a dedicated professional who reviews your information and explains available options. This helps keep communication clear and consistent.
What information do I need to get started?
To get started, you’ll usually need to share basic details about your debts, such as balances, interest rates, and monthly payments. This allows professionals to provide clearer guidance.
Typical consolidation costs
Last updated: 1/1/2026
Region
Great Value
Average
Premium
Canada
3%
5%
7%
Debt consolidation costs depend on debt size, interest rates, and solution type. Terms and fees vary by provider.
Reviews
4.7
based on 131 reviews
Service Quality98%
Response Time77%
Value for Money88%
"The information was clear and easy to follow. It helped me understand how debt consolidation works and what I needed to review before deciding. "
M. Kaur12 Dec 2025
"I liked how the options were explained without pressure. It made it easier to compare paths and think through my next steps calmly. "
J. Martin03 Nov 2025
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Pricing Guides
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Is Debt Consolidation Worth the Cost?
Evaluate whether consolidation costs may be worthwhile.
Read guide
Monthly Payment Examples: Debt Consolidation Scenarios by Debt Amount
See example monthly payments by debt amount.
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Debt Consolidation Fees Breakdown
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How Much Does Debt Consolidation Cost in Canada?
Understand typical debt consolidation costs, rates, and fees.
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Ready to get started?
Get free quotes from trusted debt consolidation professionals near you. No commitment required.
Q&A
Quick answers to common questions.
Debt consolidation costs vary based on factors like total debt amount, interest rates, and the type of consolidation used. Fees and terms can differ by provider, so reviewing details and comparing options helps set clear expectations.