personal loan or debt consolidation loan?
Hello, i'm asking for some advice on what to so.
I currently am drowning in debt, similar to many people and i'm trying to put all my debt in one place so i can pay it off easier.
one credit card has 9.5k
second credit card has 3.9k
school loans are 11.3k
I did the snow ball method and paid everything smaller off. i also pay my monthly car of 455.
I've never been behind on any payments and my credit score was just 756 but went down to 646 due to not paying my school loans ( which i honestly did not know about until last month)
i opened a debt consolidation loan through a credit union 6 months ago and it was the worst decision ever because it's interest rate is not what i was promised.
it was for 17k and i've paid almost 2k on it and it's still at 16k... so im trying to take it out of there as fast as possible but cant get approved anywhere for any type of loan.
Does anyone recommend any loan companies. discover denied me 3 times. One Main financial has high interest rates and i'm not sure if Achieve or National Debt relief are real ?