There are three main ways that you can combine all of your debt into one monthly bill. You can take out a personal loan and use the funds to pay off all your outstanding debt. Then you will just need to pay a single monthly payment when paying off the personal loan. There is also the option to get a 0% APR credit card, but this is usually only accessible if you have strong credit. Then you are able to tap into your home equity and use these funds to pay off your various forms of debt in one go.