Debt Consolidation Loan Needed?

I just recently graduated from college and I have been living off credit cards for the last 4 years. I now have a very good job (about $40,000/year) and am trying to get back on track with my credit. I am not a homeowner, but am looking to consolidate my debt with a loan but am having trouble getting approved for one. Can anyone recommend a solution for me that does not require I have tried the website prosper.com, but they dont offer personal loans in North Carolina. Is there any hope for me yet?

its very hard to get one actually!! i just recently got a loan, but i had to have a co signer with great credit!!! beacuse i needed like $15,000 to pay off my credit cards. and they normally only loan out a max of about half that!! all you can do is keep trying.

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Instead of taking out a high interest loan to consolidate your credit card debt, just work on paying off the credit cards.

Make a strict budget. Eliminate all the extras -- cell phone, eating out, designer clothes, etc. Put every penny you can squeeze out of that budget on the highest interest rate credit card while paying only the minimum on the rest. When the highest rate card is paid off, go to the next one, till all the cards are paid in full.

Depending on how much debt you have on those cards, you should be able to get them all paid off with 2 or 3 years. Once they're paid off, only charge what you can afford to pay in full at the end of the month.

try AFG i think it is or Beneficial they offer loans to people with not so great credit. i dont know how much you need though and that will make a difference.

Look up as credit counseling company in your local telephone company and tell them that you need debt management. They may be able to not only consolidate your loans but to also lower the interests payments. You will also receive other help to keep your finances in order.

A word of caution is needed. Some debt consolidation companies are not relabel. Check out the ones that you are considering using with your local Better Business Bureau and the Consumer Affairs Bureau which is a government agency.

Good luck. You are on the right track.