Debt consolidation can be a handy solution when you are struggling with repayments on several debts.
Debt consolidation works by combining all your debts into one package so that you make one repayment to one lender instead of multiple payments to different lenders.
Through my experience, I have found that debt consolidation will help improve your cash flow and therefore enable you to pay off your debt faster than if you did nothing at all.
If your financial circumstances allow it, refinancing your home loan would be one way to include and consolidate your debts into one package.
It can be set up so that you have sub loan accounts so that you can identify the different debts.