At Salary Finance we’re driven by our mission to help employees live financially happier and healthier lives. We do this by providing products and services that help employees across the US move out of debt and into savings, and also learn more about their finances. We recognize that many people will be worried about their money, potentially now more than ever. This may mean people are struggling with financial stress and the impacts on their mental health.

If you have high interest debt – such as credit cards, store cards, expensive personal loans, overdrafts or payday loans, debt consolidation may be an option that could save you money. This guide has been designed to help you understand how it works and to evaluate if it’s the right thing for you to do.

This 10-page guide includes answers to frequently asked question about debt consolidation and how you can evaluate whether it’s the right approach for you.