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These are the fee guidelines from the National Credit Regulator. It might be wise to sell some assets that you do not need but this will be discussed with you and where needed you can consult with a FAIS advisor.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.Ideally, you would qualify for debt consolidation after graduation.However, you also could qualify when you leave school or are enrolled less than half-time.Fill in the loan amounts, credit card balances and other outstanding debt.Then see what the monthly payment would be with a consolidated loan.The process begins with your application and ends with the issuing of a "Clearance Certificate" once all your debts are settled. Different Debt Counsellors may charge in slightly different ways.