I found some good info here.

try this!

Please consider other options.

Why would you borrow money to pay off debt? You’re not solving the problem.

I teach a class on personal finance where the average couple pays off and or saves $8k in 13 weeks! So, I know it can be done.

We help people become debt free by the following:

1) create a written monthly budget
2) track your spending
3) use cash instead of credit
4) get a $1,000 in the bank for emergencies
5) pay debt smallest to largest balance - make minimum payments on all other debt
6) sell your stuff
7) take on extra jobs

This really works because thousands of singles/families have followed these prinicipals. It works because it gets to the root of the problem - our behavior!

Checkout my blog site. I’m building a site to help people take control of their money and get out of debt!

Scott…….

Do you have any assets you can borrow against? A paid off car, a life insurance policy, a 401K? These are great places to get loans at a lower interest rate.

Just remember that you are only trading one bill for another one. Can you phone your creditors and arrange for lower payments?

Can you get someone to co-sign the loan for you?

Try your local credit union. They are usually pretty good to work with you in credit situations. Unfortunately though, $10,000 is alot of money … and depending on how bad your credit actually is, its a good possibility no one might be willing to lend you the money. Be careful of any loans you see online, and always be sure to check the terms and the APR. If you have alot of debt and you’re having a hard time paying your bills, try a debt consolidation service.