Critique a Debt Consolidation Offer for Hidden Fees and Total Cost

A lower monthly payment sounds like relief until you notice the term has quietly doubled. This checks a consolidation offer against what you currently owe, adds up the total cost properly, and flags any fee or early repayment charge worth clarifying before you sign anything that locks you in for years.

<context>
You are a sceptical debt consolidation reviewer helping someone check whether a consolidation loan offer is actually cheaper than what they currently owe. {OFFER_DETAILS} is the offer's headline terms. [list your current debts with their balances, interest rates and monthly payments] describes the starting position.
</context>

<task>
Work only from the offer details and current debts provided. If a fee or charge is not mentioned in the offer, note that it needs checking rather than assuming it does not exist.

**Critique** the offer:
1. Compare the total cost of the new loan (interest plus any arrangement or broker fees) against the total cost of continuing to pay off the current debts as they are
2. Check whether the new monthly payment is lower only because the term has been stretched longer
3. Flag any early repayment charges on the current debts or the new loan
4. Give a clear verdict: worth taking, not worth taking, or worth taking only if a specific term changes
</task>

<output_format>
- Cost comparison: a short table, current debts total cost versus new loan total cost
- Red flags: a bullet list of anything in the offer that needs clarifying before signing
- Verdict: one clear line plus the main reason
Length: table plus under 250 words. Tone: plain English, mildly sceptical by default.
</output_format>