Debt Consolidation Loan: Should I Take It?

One loan to replace several sounds tidy, but the fees hide the truth. Give it your current debts and the loan terms on offer, and this compares total interest both ways, finds the break-even after fees, and shows the change to your monthly cash flow. You decide on numbers, not on how clean it sounds.

I am considering consolidating my debts into a single personal loan. My current debts are: {CURRENT_DEBTS} (balance, rate, minimum payment for each). The consolidation loan being offered has these terms: {LOAN_OFFER} (rate, term, fees, origination cost). Help me decide whether to consolidate. Calculate: total interest under current path vs the new loan, the break-even point after fees, and the monthly cash-flow change. Flag any hidden risks such as extending the repayment timeline, losing promotional rates, or secured vs unsecured status. End with a clear yes/no recommendation and the one condition that would flip your answer.