The short answer
It depends on the lender and affordability; borrowing extra increases what you owe.
What this means for you
Consolidation replaces selected debts with a new agreement. It may simplify repayments, but a longer term can increase the total cost.
For a government employee, your exact position, income, existing repayments and the lender’s programme rules can affect the outcome. Check the complete offer and ask the lender to explain anything you do not understand before accepting credit.
Frequently asked questions
Can I receive extra cash with a consolidation loan?
It depends on the lender and affordability; borrowing extra increases what you owe.
Does working for government guarantee approval?
No. The lender still checks its employer rules, credit information and affordability.
Where can I confirm the terms that apply to me?
The lender’s written quotation and credit agreement will set out the rate, fees, term and total repayable.
Further reading: National Credit Regulator. Source pages describe general rules or lender processes; individual circumstances can differ.