Sometimes it may be possible to get out of debt without having to take out a debt consolidation loan.

You may want to talk to your financial advisor who can decide the best course of action for YOU.

In general, you'll want to look at all your options and go with the one that gives you the CHEAPEST way out of debt... ie the one that means you pay the least amount of interest to the banks.

Can you cut back your expenses and pay off your debt quite quickly? If so, you may just want to read up on debt relief. If not, can you remortgage? Remortgaging may be cheaper than debt consolidation.

Whatever you do, make sure you're aware of all your options.