<prompt> Human: Despite the fact that I have a decent credit score, no one will give me even a tiny were talking like, 6,000 personal loan to consolidate my credit cards so that I can save some money on interest and get these monkeys off of my back. They all tell me I already have too much debt - yes, but I can reduce three loans to one, which would significantly reduce my debt, if you would just lend me the funds. Plus, you - a business I dont yet do business with - would profit off of me via interest, but youre not interested. The irony. What do you guys recommend in this case? I looked up credit-curing loans, but that doesnt seem to be what I need. Thanks in advance.  <response>: The obvious reason why lenders are concerned is that you accumulated all the credit card debt in the first place, and if you consolidate it all on one personal loan, you might go on another spending spree on the now empty credit card accounts.You are likely deemed too high of a risk for a consolidation loan, and the only remedy for that is to keep paying your balances down until lenders see that you are serious about being financially responsible.Always pay your bills on time, and I would suggest paying as much as you can on top of the minimal payments on the credit card with the highest interest rate until you pay it down, then on to the next until you finish paying them all.Dave Ramsey who I respect as a financial advisor likes to encourage people to pay the smallest balance first because he feels that early success encourages people to keep paying the others down too.Whichever of the two works best for you - personally, I like the most cost effective way to pay my debt down, which is highest interest rate loan paid off first. 