<prompt> Human: So a little back story:My yearly salary is about 30k, solid non profit facilities management job that I could likely hold onto as long as I want. I have about 3k in savings, above 720 credit score. Lots of debt though; 10k in credit debts that got ran up years ago, plus 60k student loan debt thats on an income contingent plan. I live in a highly populated city in the s.e. and rents are insane; ranging from 650m for a flea ridden 1bdrm, to 4km for a 3bdrm in a good neighborhood. I work in the city so its difficult to move, especially since I do trade living it breaks I fix an dont have to pay rent kinda deal with a family member thats just a mile from my work. The idea:The living situation isnt going to work for much longer though. Rents being what they are I figure it might be better to buy a fixer or a foreclosure for less than 100k just out of the city if I cant find anything inside. But if Im going that far I figure maybe it would be better to do a personal loan or something similar to cover that plus consolidate my other debts. Maybe leaving the student loans where thats at, and buying a newer vehicle that would be more reliable than what Ive got 98 chevy thats falling apart and eats 10mpg. Then in a couple years see what the market is doing an try to sell for more than the debt. Hopefully with enough over to put a down payment on something else. The problem:Where do I get the money? Personal loans? Who with that would do the 100k on my income? My credit is high enough I think. Advice? Assistant: To be blunt, you arent qualified for a 100k mortgage let alone an unsecured 100k.Work first on getting that 10k in credit card debt paid off. How much are you putting toward it now? If it will take you a while you may want to look into 0 balance transfer options.Human: I put between 500-700 a month toward that. The problem is the debts are in several different places so the pay down is pretty slow. Thats why I figured consolidation would help; instead of paying 10-20 on several different amounts it would be on one larger amount with a more fixed interest rate.  <response>: The problem is the debts are in several different places so the pay down is pretty slow. This doesnt make any sense. You might have higher aggregage minimum payments than you would with one account, but, that aside, paying off 10 loans of 1000 costs the same as one loan of 10,000. 