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I think a loan would get you into more trouble as it is. You’ll have to learn how to live economically. That might mean begging to live with a family member until you get on your feet. Or having family member live another family member.

you could always go to a financial counsellor, they can help point you in the right direction to get you back on your feet again. Sounds like you need a consolidation loan of some sort, where instead of 10 individual monthly payments, you pay one payment per month so you can pay off all your debts. all is not lost, you just need to make some inquiries, theres places out there that can help you. Good luck with it all, life is hard, no matter what age you are, just keep smiling through it all, things will get better :)

What do you mean “taking care of your family”??? do you have a wife and kids or soemthing?

To me I don’t think you are in too much of a mess. Nothing “delivering pizzas” wouldn’t clear up. All you need is a second job (part-time which could add an extra 10K-15K a year). And use that money for the debt. The last thing you need is another loan. Because think about it how did you get here in the first place? The answer is loans and payments. You really need to buckle down and get mad at this stuff and start generating more income or you are going to become even more lost. Cut back on spending; no one NEEDS cable, no one NEEDS to eat out, no one NEEDS a cell phone. Just find as many things as you can and you don’t NEED to survive.

First is food and utilities,
Second is transportation to your job,
Third is house or rent,
then comes Mastercard, Visa and other debt.

STAY AWAY FROM LOANS, GET A SECOND OR THIRD JOB!!! The best thing you can do is to read Dave Ramsey’s book “The Total Money Makeover” or if you don’t like to read listen to the audio book.

Hi,

Sorry I can’t help financially, but depending on what debt is and what pmts. are you can consolidate if it’s medical try charities through hospital first, then red cross, salvation army, churchs. If it’s a home or car refinance through your lender of try other lenders, if it’s credit cards try this company first they really helped me Consolidated Credit 1-800-728-3632. These moves can help fix your credit too. God Bless

A Friend