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Debt Consolidation

Before you seek out debt consolidation loans try one these first: 

Take out a home equity loan. A home equity loan has the advantage of carrying a fairly low interest rate, currently in the high single digits, and what interest you do pay is tax-deductible.

Refinance your car. It is a secured loan and you can borrow against it.

Get a personal loan. If you have reasonably undamaged credit, you may qualify for an unsecured loan.

Negotiate better terms. Just call your credit-card company and ask them to do it (many customer service people are authorized to reduce rates right there on the phone).

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