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View the Total Cost of Borrowing Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.Remember, however, that consolidation only works if you don't pick up those three credit cards at the end of the day and start spending again.Consolidation is a tool to help you get out of the doghouse, not to get you a nicer and more expensive doghouse.

Consolidation is a way to save "bags of money," according to Gail Vaz-Oxlade, the personal finance guru formerly behind TV's "'Til Debt Do Us Part." "Consolidation is important because people are often paying too much interest on their debt," Vaz-Oxlade said.

It's also important for people who don't know, or can't seem to manage to pay their bills on time, she added. Example - Consolidation Savings Let's say that you currently have three credit cards that charge 28% interest annually, they are maxed out at ,000 each and you're spending 0 a month on each card to pay them off.

During her many years of working with couples and their finances (on and off the show) Vaz-Oxlade said she has run into a lot of individuals who are too scared to open their statements and who are overwhelmed by multiple payment dates. If you were to pay off each credit card separately, you would be spending 0/month for 28 months and you would end up paying a total of around ,441.73 in interest.

CBU is in the process of consolidating all email accounts onto the Office 365 platform.

During this transition, multiple email systems are still in use.

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