If you couldn’t get a consolidation loan with a co-signer, you simply are not going to get that loan. Lots of people are going to refer you to this lender or that. Be very leary of ALL of them. Anyone who ask for money up front is a scam and there are a lot who are merely looking to collect personal info.

Unfortunately, you are stuck with working yourself out of that credit card debt. Actually, in the long run it will be much better for you to work thru paying them off than shifting the debt to another loan.

You should take a close look at your budget. Eliminate all the extras — cell phone, eating out, new clothes, etc. Look at every bill and find ways to cut back. For example, your landline phone bill. Do you really need call waiting and other extra charge services? Are you pay line maintenance fees? You can cut your phone bill in half by getting rid of the extra fees.

Take every penny you can squeeze from that budget and put it on the highest interest rate credit card, while making minimum payments on the rest. When the highest rate card is paid off, move to the next till they are all paid in full.

Find ways to bring in more cash to throw at that debt. Have a garage sale, collect alum cans, get a second job.

If you really work at it, you can pay off that $20K within 3 years. Not only will you be out of debt, but you will acquire some good financial mangement skills.

Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan allows you to condense your monthlyold loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail.

The best place to go is.

This is a peer to peer lending website. You can get a loan with a three year term for up to $25,000. At the end of the term, you’d be out of debt. You’d need to make enough money to cover your payments, of course. And also, please keep in mind that these are real people taking a chance with their own money to try to help people out, so do the right thing.

No offense but i think you answered you own question. A debt consolidation loan will not work for your situation. If you can’t get one with a co-signer, you won’t get one at all. I would go through a debt management program and be done with it. Check out this program
and you can fill out a quick, free online form here
to see what can be accomplished based on your input.
Good luck and God bless!