“I’m able to breathe again”: how Katie brought three loans and buy now, pay later into one repayment

When every fortnight felt impossible

Katie works for a health insurer, owns her home and shares it with her cat. From the outside, she appeared settled. Behind the scenes, she was carrying two medical loans, a travel loan and buy now, pay later balances.

The combined repayments were close to $1,000 a fortnight by her estimate. Katie was selling belongings to pay for groceries and bills, losing sleep and experiencing what she describes as nervous breakdowns.

One application, one main repayment

Katie first saw WeMoney in a Facebook advertisement, then checked reviews before proceeding. She compared options and consolidated the debts through OurMoneyMarket.

Her new scheduled repayment was about $430 a fortnight. The application felt seamless to her, and the single repayment was easier to plan around than several due dates.

“I’m able to breathe again,” she says. “I don’t have to cry in the shower anymore.”

Progress without pretending it is perfect

Katie is candid that consolidation did not remove every spending challenge. An emergency led her to use buy now, pay later again, temporarily pushing her total commitments to about $700 for two fortnights. She expected the amount to return to roughly $423 after that.

That honesty matters. Debt consolidation can simplify existing balances, but it does not prevent new debt from appearing. Katie’s focus now is on protecting the breathing room she created and recognising the patterns that previously left her stretched.

Her story is not a promise of a perfect reset. It is a step from crisis towards a repayment she can understand and manage.

See what one repayment could look like for you

Use the debt consolidation calculator to explore how different repayment amounts and terms can affect the total cost.

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Disclaimer: Katie’s experience is her own and is not a guarantee of a similar result. The information in this article is general in nature and was prepared for information purposes only. It should not be considered financial advice and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances and seek independent advice before making a financial decision.