GSB's new "Loan to Fix Small Debts" lets people with steady income merge debts into one loan at GSB: up to 200,000 baht per borrower, or up to 50,000 baht to pay off informal (off-system) debt. Flat rate starts at 0.75% a month, depending on collateral, repayable over up to 60 installments (5 years). Applicants must be 20+, with age plus loan term not exceeding 65. Apply at any GSB branch or call 1115. For owners carrying high-interest informal or card debt, this is a possible cheaper refinancing route; check the total cost, since a flat 0.75% a month is still expensive compared with bank rates.