<prompt> Human: Hi guys!!I did a search and read the credit and debt wiki and couldnt find anything particularly helpful to this case- if I missed a relevant post PLEASE let me know!! :So Im 27 and I actually have a good Credit score of 760-780, I cant remember which number exactly. Ive always been very smart with my money and have, up until the past couple years, paid off my credit card in full every month. Then I got saddled with a roommate who got fired and never bothered to find a job again bc why not in a lease that was laughably cruel, according to the lawyer I took it to, so I carried us for a few months in a VERY expensive college town. Then my dad lost his job and had to borrow a sizable amount from me via getting a cash advance from my credit card and thennn I had to pay to fix my fiancées car, pay to fix the pipes that backed up sewer into my dads shower, pay out of pocket bc I took a single summer class so no financial aid for me, and so in and so forth, until my fiancée and I just moved back in with my equally broke dad so we could at least put rent money toward the card.SO!Now I have debt. I tried to get a personal loan to pay off the credit card, due to the high credit card interest rate, but NO ONE will give me ANY loan bc of my debt to income ratio. To sum up:760-780 credit score.I have one 13,000-limit credit card with about 3,000 charges, interest rate of 19Another 500- limit credit card, completely free of any charges, 18 interest rate.3,000 dollar car loan with a 1.4 interest rate, paying 140 a month.10,000 in student loans, in deferment bc Im still in school attending nursing in Spring!.I make 10 an hour and work 32 hours a week. Its not great but thats why Im going to nursing school.I went to every credit union and bank I could think of about 8 months ago when I had WAY more debt, but EVERY single one turned me down, much to the surprise, disappointment and horror of both myself and the tellers who were super pumped to be the one getting me a loan. I knocked it down myself to 3,000ish but today when I paid my credit card, a new branch manager took my payment and got all starry-eyed about my loan possibilities, insisted on trying to get me a loan, POSITIVE I could do it and get a nice 9 interest, and I was shot down again. No big deal, except now Im pissed off all over again. Ive never missed or been late on a single payment since I had a credit card at 18. What. The. Hell? Ive had friends get personal loans with way worse credit and HUGE student loan debt. I could REALLY use that money Im paying in interest every month, honestly. Basically all my paycheck goes to it and were saving NOTHING and so every once in a while a huge bill will come up and oops, there goes the credit card again, and I just feel like were NEVER going to move out at this rate.7Thinking of balance transfer card, but I think that can mess up your credit a bit? Then again at this point my credit score can blow me tbh. The branch manager suggested I open another credit card to increase my revolving credit but Im hesitant because, well... this.Any other options for me??  <response>: Personal loans are easier said than done to get. Thats not the right vehicle unless you have collateral. Look into the Chase Slate for a balance transfer. Also to add, a credit card application dings your score the same as a personal loan application, usually 5-10 points. 