<prompt> Human: I have 11,500 in debt from credit cards that are near maxed out, with one in collections that I settled a payment plan for. I am not using credit cards at all anymore and I would like to consolidate my debt so my utilization is not so high, but I cant find a loan that will approve me with a 550 credit score and debt in collections. I read about debt relief, which seems to wreck your credit score, but mine is already horrible. My girlfriend has a good credit score, but short credit history, and is willing to co-sign with me. I just started making 65kyear and should get a 5-10k raise in July.  <response>: You dont need debt relief, you have enough income that if you prioritize paying off the debt before luxury life decisions, it can be paid off within a year, debatably 6 months 