i want some money to settle my loans how do i get

You can apply for a consolidation loan if your credit is good. You could borrow from a 401k or pension, use your income tax refund, borrow from relatives. You could also use a home equity loan as long as you don't run up the cards again.

You could also enter a debt management plan whereby the non-profit organization will negotiate lower interest rates from your creditors.

Each option has its' positives and negatives.