<prompt> Human: I have a few separate loans, a car loan and a couple of student loans. Totalling about 30k. I pay each one off every month and havent missed any or anything. I think my credit score is good, or at least I checked on Experian and it said it was 900. Id like to get a loan that pays off all my separate loans so I have one loan and one monthly payment that is smaller than all the separate ones added together. But I was told by one of those check to see what loans are available to you on the basis of your credit scoreincome websites that my existing amount of debt might mean that lenders dont want to lend me any more. But I wouldnt be adding debt to the other debt, Id still have the same amount of debt, but would just pay off the others and only owe the new loan.So how do I apply for this kind of loan and maximise my chances of success? Thank you in advance for help!  <response>: Why? It would take you longer to pay off and definitely cost you more in interest. Plus you would lose some protections of your student loans are federal loans. Any bank can set up automatic payments to each of your accounts to make it easy. 