<prompt> Human: I was very bad with spending in my early 20s. I managed to get myself 60k in debt with credit cards, in addition to that..5 payday loans outstanding at once! Ive paid off all the payday loans, took that debt down to 30k. I try to be very fiscally responsible now, but those bad days were only 2 years ago. So I have bad credit 580 score. I got promoted recently and now make 90k annually. Ive tried getting a LOC but I wasnt approved. I would like to pay off the last 30k by consolidateling my debts but dont know where to start. On top of that I am falling in love and we plan on getting married soon. She knows my financial burden, and is okay with it. How can I consolidate my debt if traditional banks wont lend to me despite what I consider to be a good salary?  <response>: How can I consolidate my debt if traditional banks wont lend to me despite what I consider to be a good salary?Right now? You cant. Focus on paying down your debt, on time, and your credit will eventually improve. 