<prompt> Human: So my husband and I have two car loans. Theyre costing us around 890 a month car payment full coverage insurance. This is way too much for us to handle due to certain situations occurring.We tried applying for an unsecured loan, one at my credit union and one at a bank. They denied us because I have too much debt and my credit score is 644. His credit score is 744 but hes an immigrant and has only been in the states for almost a year. The reason we want to go the personal loan route is because we want to pay off the auto loan, sell the car, and buy cheap, reliable vehicles and pay off majority of the personal loan that way while having cheap insurance. Then we can continue making monthly payments. Are there any other routes we can go down to get rid of the cars? We dont think we can sell them for the full price because of all the mileage, and the interest rate hurting us after all this time of minimum payments.Also will using websites like credit karma to find us pre-qualified personal loan options help? Or are those just basically scams or a really bad idea? One car I owe 8,000 on , but its only worth like 2,000 according to KBB. The other car husbands we owe 12,000 but its only worth 8,000 or something. : My husband makes 31,000 with just his income and I maybe contribute from 50-1,000 some months. I do freelance work so yeah. As for the debt, basically, that would take forever but our debt-to-income ratio is bad mine is terrible, his isnt so bad because Im the one in credit card and student loan debt not him.We currently live paycheck to paycheck and have to keep asking family for help, if we can get the 890 down that would help immensely.  <response>: Based on what youve stated. It is extremely unlikely that anyone will loan you this amount of money, especially unsecured.There are options, but youre going to have to grind. You should get more stable work. You need to be always bringing in 1000 every month, if you get a 40 hour job somewhere you can probably make more than that. Get down to a single car. The 12,000 car would be your best option. You could try for a 4,000 loan to cover the difference in value and sell if for as much as you possibly can. Now youll need to use the single car coordinate, use public transit, etc. Get your expenses down. You didnt list anything else, so I cant provide specifics. But get on a written budget and cut as much as you can. Your husband needs a better job, have him start looking for a new job with a focus on making more money.Youre going to be living a pretty simple life and working A LOT until you get out of this situation. There are no easy options, everything will require you and your husband to work hard, be smart with money and make tough decisions that will suck. 