<prompt> Human: Its starting to get hard to make payments in general let alone anything more than just to monthly minimum right now i have:Personal loan of 22,144.32 17.95 min 712mon.Credit card of 24,237.00 14.4 min 485mon.And about 5,000 of other debtIf not a scam is consolidation a good idea, or am i better off just doing what i can and pay it as it is?  <response>: YMMV, but my friend called up her CC company and got them to lower her interest rate to 9 for one year she didnt qualify for a 0 interest card.This debt is an absolute emergency. Cancel cable, eat at home, take on additional work. Create a budget and stick to it. 