To play it safe before you go with a loan company,I suggest you talk to somebody at a credit union. Credit unions tend to be smaller than banks, and are often more willing to help people both with perfectand less-than-perfect credit histories. They could give you some options for consolidating that debt. Another idea for you is using the “debt snowball” approach. That’s where you list debts from smallest to largest, and pay the minimum payment on all the debts except the smallest. Pay that one off first.
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