When thinking about consolidating your debts, you need to understand that only unsecured loans can be consolidated. Utility bills, hospital bills, unsecured loans, credit card bills and consumer loans (forbrukslån) can all be wrapped up into one loan. To know how much you can borrow (hvor mye kan jeg låne), you must see how secure your income is. Your mortgage on your home cannot be consolidated. If you still cannot make your budget with loan consolidation, consider refinancing (refinansiering) your home as well.
There is no denying the stress and strain that excessive debt levels can produce. However, when you take the time to calmly look at your situation, you can find answers and the light at the end of the tunnel. You may check out with some loan comparison sites to learn more about loans.