I currently had a Student Loan that was sent to a collection agency. I'm trying to get a low interest payment or reasonable payment. I have gone through two banks to get a personal loan to settle w/ the agency, which were both denied because the collection agency is showing up on my credit report and/or I haven't been working long enough but I'm never without a job. I would like to get a loan in which lets my credit go up not down. If debt consolidation Care can help I would appreciate it and pay any funds payable to company in helps to my situation.