Debt consolidation loan is the process of combining multiple credit card and other debts into a new loan.

Debt consolidation loan is divided into credit card debt restructuring, personal loan debt restructuring, general debt restructuring and comprehensive debt restructuring according to the purpose of the loan; it is divided into desktop computer debt restructuring, notebook computer debt restructuring, tablet computer debt restructuring and mobile phone debt restructuring according to the device used for online application; it is divided into download application debt restructuring and non-download application debt restructuring according to the method of online application for debt restructuring; non-download application debt restructuring It is divided into online debt restructuring and online debt restructuring; according to the repayment period, it is divided into short-term debt restructuring, medium-term debt restructuring and long-term debt restructuring; according to the repayment method, it is divided into fixed-amount periodic debt restructuring, revolving debt restructuring and net interest debt restructuring; according to whether there is collateral, it is divided into secured debt restructuring and unsecured debt restructuring; according to whether there is a guarantor, it is divided into secured debt restructuring and unsecured debt restructuring, etc.