I can afford about $300 a month in a consolidation plan

I would recommend talking to a debt consolidation/debt management counselor. If you enroll in a program, you would make one affordable monthly payment that would be disbursed to all of your creditors every month. After paying so many consecutive months under this plan, the debt consolidation company can usually get the creditors to lower your interest rate, waive late and overlimit fees, etc.

This might be a better option for you than trying to take out a loan to consolidate your debts. If you are having trouble getting a loan at this point, if you do manage to find someone who will lend to you, chances are the interest rate will be horrible, and you'll get in even deeper.

You should register for a free debt consulation on this website they will call you within two days or so or you can click on the debtcc live help button to speak to someone right way, or call the 1-800-601-1579.

Do as Tiffany stated and check out any company with the bbb to see if it's a legitimate business and is in good standing.

ladybug

I live in Colorado and have 5 payday loans that I need to consolidate so I can make one monthly payment. I am drowning and cannot borrow any money I have tried. Can you help me please.