The short answer
When total cost rises too much, affordability is poor or debt review protection is needed.
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
When might consolidation be unsuitable?
When total cost rises too much, affordability is poor or debt review protection is needed.
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.