Whats the best loan to get for debt and getting caught up?

I have ok credit and need around 15,000 for everything from school, bills, and business related issues. I dont know where to start. Any pointers on Do's and Dont's on the application process? Best banks to deal with ?

Uh, correct me if I am wrong, but it seems to me that going into debt further is no way to get out of debt. Is it just me, or is this a true oxymoron?

If you own a house, look into a home equity loan. The interest is deductible.

You don't borrow your way out of debt. Taking on more debt to get out of debt? Hmmm.

Call all of them and work out a payment plan and try to get your interest lowered or stopped.

Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.

You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.

Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.

Go to the library and get "The Total Money Makeover". Read it and follow it carefully.

Go check out Dave's website as well.
www.daveramsey.com

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If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period-->you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time.

get the lowest interest rat as you can. pay off every thing and then you only have one bill. do not live on credit. pay cash only for all things, if you don't have enough cash then wait till next payday then you can get it but now you will want something else. pay cash only keep paying all you can on this loan make sure you can pay extra on this loan make sure that you can pay it off early without any penalty. make payments every week if you can. not every month you will save a lot of interest that way. get a loan that will let you do those things and it will let you pay it off early and save you a lot of interest money do not buy on credit that is living on money you do not have. only pay cash only.
you will be so much better off try it you will see. thanks

hi there,
if you have a devt that size my honest opinoin is not to make it any worse than what it is to try and get it out of the way.
because you will be loaning yourself deeper into debt because all these debts these days incur an extra fee included for loaning the money and usally it is in between 15 to 20% extra on top and you are making the person who loaned the money to you more richer by doing that.
the best thing you could do is to go out and find a good job that pays good money and set up with the people who you owe the money to a certain amount you can pay off and show them the payment slips you earn to prove that this is how much you earn and this is how much you can give them,
or to go and find a good apprenteship(???) that could also land you into a good career that pays good money and pay it off that way.
i heard building and constructon is a good way to start for the time being coz the cash flow at the moment are great.
then when you pay it off go to the jopb you were leaning towards later on.
or do what someone else i know did.
sell things that have good value that would add up to the amount you owe.
thaty is always another way.
if you have good sense in value of money it shouldn't be a problem.
good luck

hi,if you've got good credit,call around to banks around area.some banks will work with u being your credit is good.look in newspapers also.do u have a home?sometimes u can get a loan off of your home.but whatever u do ,don't get caught up with a loan shark. that is very dangerous ,hope i help u little good luck, mel

First thing to do is cut out any non essential spending. ( Yes, Beer is a non essential.) Start paying a little to each creditor with a cover letter stating your situation. Stick to your payment plan religiously, no excuses and sacrifice your life style for a while. Within a year or two all the debt will be eliminated and you won't need a loan. With the loan you would have consolidated all the debt and still have been obligated to pay a bank, if you had the credentials.