Send the following on WhatsApp
Continue to ChatIf you are, consolidating at a lower interest rate can help you pay off your debt faster. But if there's even a small chance that you'll spiral back into debt, it's not for you. - Jean Chatzky from https://whatsmyquote.com/quote/if-you-are-consolidating-at-a-lower-interest-rate-can-help-you-pay-off-your-debt-faster-but-if-there-s-even-a