Anyone can help me get a loan with a lower rate?

Welcome to the Community charles :D I've never been a big fan of taking out a loan to pay debts, for me, it kept me stuck in that viscious cycle. Here is a link that explains 12 Ways to Solve Your debt problems at http://www.debtconsolidationcare.com/debt-solution.html it explains evrything from debt consolidation to Do it yourself. Have you considered debt consolidation, and having all your unsecured debts combined into one payment monthly? Whatever you decide, we are here to answer your qquestions, and help. Karen