Debt consolidation forces you to pay more in the long-run because the lower monthly payments mean a longer repayment period. Interest is a killer. Even at a lower % rate, the longer term means more money (how do you think consolidation companies make money? it's not a charity!)
If you have no way of climbing out of the hole except consolidation, I see no reason for those last minute payments to lower your chances. But I'd recommend thinking hard before you sign the dotted line.
As for your actual question: the most important part is to get everything right. Go over your application with a fine-toothed comb.
If you have no way of climbing out of the hole except consolidation, I see no reason for those last minute payments to lower your chances. But I'd recommend thinking hard before you sign the dotted line.
As for your actual question: the most important part is to get everything right. Go over your application with a fine-toothed comb.