u/Historical_Ball_8192

Are there any places that will give you a loan for debt reconciliation if you have bad credit? Is that even a good idea?
I have about 6,000 in CC debt, I owe about 1,000 to cash advance apps and 5,000 to the IRS. So obviously I can’t go to a bank for a loan and get accepted.
I’ve tried to set up payment plans, but living paycheck to paycheck, I can’t ever keep up.
I feel like I’m drowning and don’t know what to do. I already work a full time and part time job. I’m a single mom, 2 kids and we’re living with my Dad. Any advice is appreciated please. My family is in no position to help.

Am I the only one who feels less than everyone else because you don’t have as much money? And it’s not like anyone makes me feel this way or treat me differently, it’s just internalized shame. I don’t know how to convince myself that I’m not a loser and failing at life.