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Can I get a debt consolidation loan during the pandemic? My credit score is 689. I have a personal loan where the lender is charging 15% interest. I didn't have a good credit score back then. So, I had to go for this loan at a very high-interest. My lender has generously told me that it's okay if I don't make payments in the next 2 months. However, I have to pay the missed payments later. What's my benefit then? So, I want to take out a debt consolidation loan and pay off this personal loan. I will also pay off a few other debts and use the remaining money for covering my expenses.

Any idea or help is appreciated.

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