Credit card consolidation is where you use a loan to pay off all your lenders.
A guarantor is a person you trust, such as a close friend or family member. By choosing someone to help with your loan application, they will cover the cost of your monthly repayments should you be unable to meet them.
To be a guarantor, a person needs to be between the ages of 18 and 75 and should be able to comfortably cover the monthly repayments on your loan if needed. Ideally, they should also have a good credit history.