One of my friends asked me this sort of questions before,she found helpful here .

Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes.

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several old loans are replaced with a new one that has more favorable terms.

Try Citi Financial. They helped me with average credit.

The credit market has drastically changed when it comes to borrowing against your house.

Odds are strong that unless you make a lot of money, or have really good credit ratings, that most legitimate banks will not loan you above 80% of market value in total (primary mortgage plus equity loan).

If the company is willing to loan you more than 80% of the value of your home, be careful. There are thousands of people losing their homes because they took adjustable rate equity loans and when the interest rate went up they couldn’t refinance nor pay it.

It would **** to lose your house for an equity loan.

Good luck to you.

The best place to go is.

This is a peer to peer lending website. You can get a loan with a three year term for up to $25,000. At the end of the term, you’d be out of debt. You’d need to make enough money to cover your payments, of course. And also, please keep in mind that these are real people taking a chance with their own money to try to help people out, so do the right thing.

No offense but i think you answered you own question. A debt consolidation loan will not work for your situation. If you can’t get one with a co-signer, you won’t get one at all. I would go through a debt management program and be done with it. Check out this program
and you can fill out a quick, free online form here
to see what can be accomplished based on your input.
Good luck and God bless!

I have earned a ton of money doing the following things:

dog sitting
baby sitting
cleaning backyards
lemonade stands (lol) (when i was younger)
yard work
planting flowers
making dinners
making deals
or betting my money with my brothers

Ok well yeahhh u shuld ask a nice neighbor if they need the lawn mowed or if its cold, shovel the snow. Ya!! Dont ask a grumpy neighbor cush they’ll most likely frown nd say no. Or u can tell ur parents evry time u bring a good grade, give u like money!! Good Luck!! Buy a good bass guitar!!