<prompt> Human: This might be long but please bear with me...Basically, I am in almost overwhelming debt. I say almost because I am still current on all my payments, but I do not have enough income to pay off anything, and am barely keeping the minimum payments up to date. I really think my best option is a consolidation loan, but NOBODY will give me the time of day because of my multiple maxed accounts isnt that the point of a consolidation loan?. I really dont know what to do... Any advice?  <response>: You need to give more details. How much do you owe, at what rates, with what terms and payments?How much do you make?What is your budget? List all your expenses 