Consolidating debt..

Hey, my best friend lives in Ontario. She had a car loan and a home loan.I've seen her struggling to pay monthly.
She always wanted to consolidate her debt. Last day when I called her, she was up to consolidate her debt through the mortgage. I know nothing about this banking things. But I have already heard about the idea of debt consolidation through the mortgage I couldn't ask her the criteria and all because she was running out of time.
Later I have done a bit of reading but couldn't help much. I hope any of you guys can help me with this!
Please enlighten me about this, folks.
Many thanks!

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