How do I get a debt consolidation loan if I have bad credit and no one to co-sign for me?!?!?! HELP!?

you can’t.

Just knuckle down with a written budget and a second job untill you get it paid.

Check out http://www.daveramsey.com and listen to his radio show. He has lots of great advice on money and debt. It doesn’t cost a dime to listen.

You may want to consider the services offered by debt settlement firms. Rather than making monthly payments to your creditors, these programs negotiate lump sum settlements with your creditors, frequently reducing your debts by 50% to 60% of your principal balances. These programs usually take only 2-3 years to complete, so this is a good option for many people to rid themselves of debt in a relatively speedy manner. In many cases they can also reduce your monthly payment toward your debt.

There is one major drawback to debt settlement programs, though–they will significantly damage your credit while in the program and for at least a year or two afterwards. However, if you are currently unable to afford to pay your creditors, the hit to your credit may be worth the benefit of ridding yourself of credit card debt. A debt settlement program is probably the fastest way to resolve you debts, and once you repay your debts, you should be able to rebuild your credit score through careful management of your credit accounts.

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