People should look to see if the loans they're thinking of taking out come with a repayment holiday if they want to avoid debt, according to MoneyExpert.
The group say that repayment holidays give consumers a chance to take a break from paying off their loan, allowing them to save some cash and balance their books in the process.
Sean Gardner from the website commented that mortgages are the best example of where repayment holidays can lessen the risk of serious debt problems.
He commented, "Homeowners looking for competitive mortgage deals in the new tougher mortgage marketplace might be attracted by the prospect of taking a payment holiday to ease the financial burden if things get tough."