<prompt> Human: Im falling behind on bills, rent, and other things. I work two jobs and can barely make rent. I have car payments and two nearly maxed out credit cards. Im thinking about trying to ask for a small loan and paying off my credit cards and try to get things back on track. Id rather have debt for one thing than 3 or 4. How much of a bad idea is this?  <response>: Id rather have debt for one thing than 3 or 4.This isnt worth nothing, but definitely the best gain from refinancing your debt is that your interest rate is lower saving you real money, not the consolidation aspect. Im falling behind on bills, rent, and other things. I work two jobs and can barely make rent.Unless _this_ root of the problem is fixed, however, your debt isnt going to go away, youll just free up your credit limit so you can max it back out again. 