debt settlement

I WAS READING THROUGH THIS SIGHT AND FOLLOWED A LINK TO BE FREE {DEBT CONSOLIDATION} I ORIGINALLY HAD 1700 IN LOANS I HAVE ALREADY PAID OUT OVER 2200 PLUS 900 IN OVERDRAFT FEES. I HAD A NEGATIVE BALANCE IN MY CHECKING ACCT OF 80 I BORROWED THE MONEY TO PAY IT SO I COULD CLOSE THE ACCT.THE NEXT DAY THERE WAS A NEGATIVE 569 BALANCE AGAIN.APPARANTLY ALL THE LOANS HIT AGAIN OVERNIGHT AND THE DEPOSIT EVEN THOUGH IT WAS CASH WOULD NOT POST FOR MONE BUSINESS DAY.IONLY GET TWO HOURS TWICE A WEEK ON THE LIBRARY COMPUTER SO I EXPLAINED MY SITUATION.AT THE TIME I THOUGHT MY ACCOUNT WAS SHUT DOWN ..THEY QUOTED ME A FEE OF 150 AND PROPOSED THAT I PAY 355 A MONTH FOR 10 MONTHS TO GET OUT OF DEBT.3550 AND 2300 AND NOW ANOTHER 569 PLUS 150 BY MY CALCULATIONS THAT IS THE SAME AS PAYING 6200 FOR 1700 WHICH IS THE SAME AS THOSE PLACES CHARGE...ON THE FLIPSIDE I HAVENT BEEN ABLE TO PAY RENT FOR THREE MONTHS OR EVEN BUY FOOD NOW THEY ARE LITERALLY TAKING MORE THAN I MAKE AND NOTHING IS BEING APPLIED TO THE PRINCIPAL.I FEEL SO SKREWED OVER I AM OVERLY CAUTIOS ABOUT ANY OF THESE PLACES CAN YOU PLEASE TELL ME IF THIS IS A REPUTABLE COMPANY OR AT LEAST STEER ME IN THE RIGHT DIRECTION?????