Not too long ago, I faced a financial challenge that felt insurmountable. As a young professional in New Zealand, I had accumulated various debts—credit cards, personal loans, and even a few bills that had slipped through the cracks. Each month, it felt like I was just trying to stay afloat, and the pressure was mounting. One day, while chatting with a friend, I learned about debt consolidation loans. The idea of simplifying my financial obligations intrigued me, so I decided to dive...