This has nothing to do with writing but I work for a fincial institution and I get a lot if people to come in to do a debit consolidation loan. This is a loan to payoff credit card debit or other things.
Here is a tip...
If you have car 2004 or newer that is paid off you can do a loan against your car. Just go to Kelly Blue Book to find out how much your car is worth and you can use the equity from the car to payoff your debit. This is called a auto refinance with cash out. :-)
"And it shall come to pass afterward that I will pour out My spirit on all flesh; Your sons and your daughters shall prophesy. Your old men shall dream dreams, your young men shall see visions." Joel 2:28