How do I consolidate when i can not get a loan?

Dear Cheri,

I am Vikas, welcome to the forums.

These are few options when you can't avail a loan:-

Paying off the loans with higher interest rate faster while paying the minimum required amount for the others.

There are few more debt solutions available, please check out debt solution article at http://www.debtconsolidationcare.com/debt-solution.html .

Thanks
Vikas