I am not interested in debt settlement companies. Is there any help out there for me ?

pros and cons of debt consolidation. Is it better to lower my bills and interest rates or pay them off with a lump sum and just have one monthly bill?

I am after a Debt Consolidation Loan to combine some debts of mine, I have $14000 in a personal loan and $10000 in car finance, I have only just returned to the workforce after a 4 month holiday but I want to get this consolidated as quickly as possible, can anyone recommend some help?
By the way, I live in Australia.

I am seeking a loan peronal and or debt consolidation loan, my credit is nor the greatest, but can anyone help guid me to a company or firm with low interested rates please

Hello All member,
I am taking into consideration Debt Consolidation. Where the finest is consigning to start?
Please share your answer here.