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Below the lords were vassals (knights), who held smaller amounts of land awarded to them by lords.At the bottom were serfs (peasants), who farmed the fiefs but were not given land of their own.
There are several ways consumers can lump debts into a single payment.
Most debt consolidation loans are offered from lending institutions and secured as a second mortgage or home equity line of credit.
These require the individual to put up a home as collateral and the loan to be less than the equity available.
In many countries, especially the United States and the United Kingdom, student loans can be a significant portion of debt but are usually regulated differently than other debt.
The bulk of the consumer debt, especially that with a high interest, is repaid by a new loan.