Transition out of Military

As of today, the debt which has been piling up is soon to bury my family. Transitioning out of the U. S. Army was a huge step. Employers do not credit the experience and training received, this results in an income which is not sufficient to cover expenses. In July our daughter was born. Medical, credit, unsecured loans, and store credit have been taking over with the interest and finance charges. Recently I have gathered all the information needed to budget a plan. The only part I do not know is how to negotiate effectively with the companies. Today my currently monthly expense total $3493, the income that comes in to the house is $3272. I have done research and planning and can afford to pay a reasonable amount. Several attempts have been made to plead my case to credit unions and banks in order to grant a debt consolidation loan. Although my history and score alone are not strong enough to earn their trust. My last resort is to turn to a cosigner however I rather involve as few people as possible.

The overall goal is to clear out the debt, bring our name back to credibility and be able to find a place to live in our name not someone elses.

Thank you for your time and consideration.