<prompt> Human: Hi,I have 6-7k in credit card debt. Lets say its about a thousand on 6 or 7 different cards. Theyre all retail cards with insanely high APRs. Next I have about 17-18k in student loans some are interest deferred. Im still in school and last I checked 6 months ago I had racked up about 2 or 3 hundred in interest. Im not worried about the school debt just yet. I want to take care of the credit card issue I have. I applied with my credit union for a loan for debt consolidation and I was denied. My credit score is too low. I dont miss payments...I just dont pay any medical bills. Thats just how it is for me, Im 23. What the fuck do I do? Use a school loan to consolidate it myself? How the fuck do people consolidate their debt? Help me please.  <response>: Why dont you pay medical bills? That still tanks your score 