If you are going for debt consolidation plan, you have to pay processing fee only once and it will carry flat interest-rate. Your debt consolidation plan Singapore can last anywhere between one to ten year. You can pay your multiple loans by one debt consolidation plan thus reducing the interest rate enormously for a long time.
But when you apply for debt consolidation plan, take care because some the bank may charge more than the prescribed interest rate and their fee is also very high. However, you can contact maybank2u who can advise you about debt consolidation plans and help you take loan also.