<prompt> Human: In 2013, I got a 10,000 home improvement loan so I could fix up my home and sell it. I had to sell it for less than it was worth due to market deflation. Ive got this loan at 13.85, and have been paying 70mo for two years now, and I STILL Have 9,075 left on it. The interest rate is killing me and I need to get rid of this loan. Ive looked at lending tree for debt consolidation loans, but their interest rates are just as high as this loan. Would combining my car and home improvement loan be a better option? My car loan is roughly 450. What can I do to fix this? Ive got excellent credit 720- btw.Edit: Okay, sorry for the lack of response, had a busy couple of days and Ive got a lot of responses. Ill try to answer them now.  <response>: I would see if you can transfer the balance to something with a better interest rate. Really.But 50 a month? Over 24 months thats only 1200. Even if you had 0 interest it would only be down to 8800. If you want it to shrink faster you have to pay more on it. 