Overall, it can be said that the decision for or against debt rescheduling must always be made on an individual basis and depends on various factors. It is important to inform yourself thoroughly in advance and, if necessary, seek professional advice in order to make the best decision for your own financial situation. Debt rescheduling can be important in various areas of the financial world. For example, companies can refinance their existing debts through debt restructuring in order to obtain better conditions or to increase their liquidity. Private individuals can also benefit from debt rescheduling, for example by rescheduling their credit card debt or mortgage. When deciding to refinance, it is important to compare carefully and choose the loan from a bank or lender that offers the best conditions. This may mean getting several quotes and comparing them carefully before making a decision. It is also advisable to be aware of possible fees and costs that may be incurred in connection with debt restructuring. If you decide to reschedule, it is important that you plan the repayment of the new loan carefully and ensure that you can actually repay the monthly loan amount. Failure to do so can lead to further financial difficulties. It is therefore advisable to inform yourself well in advance and, if necessary, seek professional advice to ensure that you make the right decision.