FB guys rejected my weightloss Ad 29 times. I never gave up. I got it right the 30th time. Now I am expert in weightloss FB Ads. Similary try with your debt consolidation. There are lot of YouTube videos which will teach you how to create a great FB Ad. As a business owner you know your business better than any Ad agency. Even if you do not have time, by learning so, no one can take you for a ride.