Try the website below and read it all. there are several links to debt consolidation loans for those in need of credit report repair and debt help!
I got my score up from 480 to 709 in one year with the help I got from this site! Debt consolidation is not a bad way to go if it means that you avoid bankruptcy and defaulting on your loans and credit cards!
Try this one http://www.badcreditresources.com/debt-consolidation.html .. this programs will help you get your finances under control.
I would check out http://www.ProsperLoanGroup.com for a loan to consolidate all your other loans. These loans are at extremely low rates and you can borrow up to $25k! There are no hassles or gimmicks. They're able to offer low rates because you're borrowing from other people instead of a bank!
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