not late yet on any payments, but not getting anywhere

Problem with seeking a loan to pay off debt is that many non-predatory lenders are not willing to give a large loan when a person already has a good deal of debt and no real assets. You might want to consider consolidation. The company you signup with negotiates with your creditors to help you get a lower interest rate. It can help make your debts easier/faster to pay off. If you do go through any company, research them first--make sure you don't get ripped off. When you signed up with this website, if you gave your phone number, a credit counselor should call you soon, and they'll help you explore your options, and you aren't obligated to use their services.

The voice of experience would like to interject here---sometimes a loan will just makes things worse. Definitely take advantage of the free debt counseling phone call. When you do any research involving debt and finances, be sure to include this board in your search. You will find lots of information, much of it based on personal experiences of the members. Good luck!