Currently, Gauteng has the highest debts per capita of all nine South African Provinces. Part of the reason for this state of affairs is that Gauteng is one of the most expensive provinces, with a high, and increasing, cost of living. This causes consumers to rely on debt to cover their monthly expenses, as their own income is insufficient. But once the debt cycle begins, it is incredibly difficult to emerge from. Debt consolidation is not always optional without collateral, and for this reason many consumers with debt in Gauteng are turning to debt counselling to offer them some relief.