<prompt> Human: My wife and I have been discussing applying for a DC loan. Amongst medical bills and credit cards bills we have about 45k in debt. I was thinking about not including the smaller CC debts under 1.5k and just paying those off separate so that means we would like to apply for a 38k loan. We both have an average credit life of 3 years and last time I checked my score was around 600 with hers around 630. 100 on time payments. Combined we make about 58kannually. Do you think we would qualify? My credit score is low just because of how much debt I am carrying and I really dont want to F it up with late payments or more inquiries...but we just want to roll everything into one payment. And any extra put it towards the loan. I feel like this is a never-ending spiral. I have saved about 1k in the last 4 months and have decided to stop putting 150 of every paycheck to my savings and just put it towards my lower balance cards.My wife and I have stopped eating out, have not made any unnecessary purchases in the last 4 months and are committed to become debt free. I guess the good thing is were only 21 so we should be able to pay this all of within a decade.Any banks or loan companies you recommend that would work with us? Any other tips?Any advice is appreciated!!!Edit: Forgot to mention I am renting. : Edit 2: I messed up with the way I posted this. Im sorry. Let me clarify what the debts are to.Citi Costco 15.491,657.00Amazon Visa22.741,315.00Citi Double 13.241,734.00Citi Double 23.491,737.00American Eagle24.241,828.00TJX Mastercard27.242,020.00Citi Diamond 21.002,295.00Chase Marriott16.253,169.00Amex 20.243,591.00Discover 18.994,368.00Amex Everyday16.496,747.00Medical Bills add up to roughly 5,500.00  <response>: If you qualify, it will probably be at an interest rate that is not appealing at all. 