Don't- is the simple answer Consolidation loans are a sticking plaster for a bad wound You may feel better for a short while but the cause is still there, you have overspent your money, consolidation encourages you to get deeper in debt take control-ring your creditors, arrange terms for repayment, even argue interest rates- you've got them by the short and curlies ( you've got the money) Bring your finances under YOUR control, don't give them to someone else for the rest of time Good Luck C(posted 7658 days ago)