<prompt> Human: i already got a loan to pay other cc and this will be the second time piling and piling debt i feel the mountain is getting bigger and bigger my total debt, 36Kwe are a family of 4 with both working and living paycheck to paycheck. also anybody knows if the company payoff is legit consolidation group?  <response>: Finding a better rate is good. However its pissing on a forest fire if you cant address the source of the debt. 