When Should I Consider a Debt Consolidation Loan? When you live in an apartment, you want to make sure that you are picking out budgeting methods that will work well for you and can ensure that you are on the right path to being successful with your finances. If you have a lot of debts and you feel like the amount is getting too high, then this can be a bad sign along the way and hard to manage. This is when you may want to consider whether a...