<prompt> Human: Hi rI have a total crushing debt of 4,325 on three cards and I am behind on two. I have paid one for the month and am planning onto the next, but this will leave me with the third card unpaid. Ive tried to apply for Debt Consolidation loan and was systematically denied because my income is too low They questioned if it was the correct income I listed on the application when I spoke to them over the phone. 7 days later I received a nice denied letter in the mail.. I have tried to apply for extra-side jobs without success. I dont know if that can be considered discrimination to apply for Debt Consolidation then get denied for it because of income. I dont know what to do anymore. It has come down to deciding to pay off a credit bill or holding onto the money to make sure there is food to eat or at least, some money stored back. There is one Credit-Card holder with a horrible interest rate that had decided to raise up up my minimum on a card on that was steady, and because of that card-holder, I was unable to pay the other two cards on-time. They also caused my card to go over the limit,then tagged on an extra over-limit fee on top of it as a double-whammy. I do have however, a strong history of paying my Credit-Cards on-time. The phone is blasted with these CCs because of the bills. Its very tiresome and very stressful. I feel poor, I feel beaten, and I feel cheated.Here is the debt ratio per card:1,659.501,566.241,042.78Here is my average income:69-112So currently, I am stuck with the amount of hourswages I can get. I want to combine all three CCs into one payment that is affordable. What is your advice rPersonal Finance?  <response>: it is not discrimination for a bank to not offer you a loan based on income; they need to know that the money will be paid back as they want it to be, and if you dont make enough to do so, it makes sense not to give you that loan. is that monthly income? weekly income? if thats all youre making and youre in that much debt, you need to pick up another job now. youre clearly not working full time. apply anywhere and everywhere. even if you get a low level, minimum-wage job, youll be earning more money to pay your bills and you can keep looking while youre working. 