Free Student Debt Consolidation Help and Advice. Information from Debt Counsellors  Before I knew it I had a whopping balance on my credit card that I certainly could not pay off in one measly month. The aspect I truly dreaded was the interest rate. I was literally forking over a hundred pounds a month just in interest. That’s so depressing. How much interest are you shelling out each month for your debt? Well, it wasn’t long before I had reached the breaking point.  Debt Consolidation Avice in the UK