Hi I am 21 years old earn good money for my age I am in about £28,000 worth of debt, thinking about debt consolidation. As i want to lower my payments, hopefully look into gettin a house in the not to distant future. I have recently got a poor credit ratin dues to a missed crdit card payment so can no longer borrow anymore from the bank to put them all in one loan myself. Not 100% clued up on consolidation jst lookin for a few tips and few anawsers from questions I have if anybody is out there who could help??