Brad M asked:


I am very desperate to come on here and talk about my financial situation. I need approx. $20,000 to consolidate credit card debt… I do not have enough equity in my home (just bought it last year), I have tried personal loans through Capital One and Chase and have been denied. With Capitol, I even had my father co-sign (he’s got excellent credit) and it didn’t work. I have NO WHERE ELSE TO TURN. I need help, if anyone knows a forgiving lender who will look at my situation, or any other way for me to reach my goal, PLEASE let me know. Please do not refer me to a credit counseling program, for I don’t use my cards anymore, I just have been paying on them for 3 years and trying to speed up things. I know I could just keep paying the most I have on one card and work them down, but I am looking for debt consolidation OPTIONS. Like a bank or organization that would help. Thank you so much for your time in advance!

Duane

amy asked:


my husband and i have a combined debt of 65k with student loans and credit card debt combined. we both have credit scores in the 690’s so obviously we do not want to do anything to get it any lower. would debt consolidation hurt us in the long run. if so what are some better options?
most of our cards are at low interest rates, but the minimums are HIGH.

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