Debt Consolidation: Should You Do It?

You have several debts at different rates and a consolidation loan dangling in front of you. This works out what you pay now across the lot, what the consolidation loan would cost over its term, and whether a lower monthly payment is hiding a bigger total bill. For anyone tempted by one tidy repayment who wants the real numbers first.

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You have multiple debts: [list debts with balances and interest rates]. You have been offered a consolidation loan at {CONSOLIDATION_RATE}%. You want to decide whether consolidation is the right move.
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<task>
**Evaluate the debt consolidation decision:**
1. Calculate the current total monthly payments and total interest remaining on all debts as-is
2. Calculate the consolidation loan monthly payment and total interest over the same period
3. Identify any debts that should NOT be consolidated (e.g. 0% deals, secured vs unsecured risks)
4. Assess behavioural risk: what happens if available credit is used again after consolidation
5. Recommend whether to consolidate, partially consolidate, or pursue another strategy
</task>

<output_format>
- Side-by-side cost comparison: current debts vs consolidation loan
- List of any debts to exclude from consolidation and why
- Final recommendation with conditions attached
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