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Why Debt Shouldn’t Define You

woman sitting looking at her feet
Our relationship with money is complex. We allow it to define us, from the brands that we buy to the holidays that we take and even the food that we eat. It is easy to start living beyond our means – and most people believe this is the reason others find themselves in debt.

But at TFS Loans we know that this stereotypical reason is actually not even close to the full picture.

There are unforeseen events that suddenly end up costing a great deal of money. There are entrepreneurial people who took a risk that
didn’t pay off. There are people who suddenly find themselves having to care for others and hundreds of other reasons why people get into debt.

The feeling that we are ‘bad people’ because of the debt, at what is already a very stressful period, makes it difficult to find a way to take action and manage ourselves out of debt.

Whilst debt is a serious issue it shouldn’t define us. Managing ourselves out of debt can be done in a number of ways. Organisations like the Money Advice Service (Link) are on hand to offer free advice and help you to build a debt management plan.

One thing you could consider is consolidating your debts into one loan and paying that off at a manageable amount each month.

At TFS loans we offer debt consolidation Guarantor loans from £1,000 – £15,000 which you can pay back monthly over a 12 – 60 month term.

To apply visit:

Representative APR 44.9%, subject to status.

Apply for a TFS Guarantor Loan using the button below:
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Call 0203 476 4170

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Loans are subject to status and affordability. *Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to

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