u/IncidentCorrect3352

Hi! I'm a 23F whose in around 20k of debt from credit cards, student loans, and other small payments.

I'm considering a debt consolidation loan, and I don't know if that's the right step for me. I make $18.25 an hour and that's decent pay, but I spend most of my income paying off 4 different credit cards. This leaves little space to afford food, gas, to take care of myself, and, unfortunately on the back burner, fund my art.

I'd love to know if a debt consolidation loan is a good idea, or trying something else.