<prompt> Human: Ive been trying for like 2 years but doesnt seem to be going anywhere. I did the avalanche method but it doesnt seem to work because Im not always able to pay alot for the high interest card. So I end up doing minimum frequently. I have nothing bad on my credit other than credit utilization. I really want to get a debt consolidation loan so I can pay everything in one. But the banks say I dont have sufficient credit...  <response>: You need to give more information. What are all your debts, what are the interest rates and what are your monthly payments? What is your income? What is your budget? What are all your monthly expenses? 