I have a lot of loans and credit card debt that I have to pay separately each month. The payments range from $40 a month to $80 a month.nnI have the following loans/credit card debt:n- Student Loan A = $2000, $40 payment each monthn- Student Loan B = $4000, $0 payment each monthn- Automobile Loan = $3000, $80 payment each monthn- Credit Card A = $1100, $60 payment each month (max. = $1500)n- Credit Card B = $650, $60 payment each month (max. = $750)n* It totals about $11000 in total debt I need to pay off.nnI want to get a loan for about $12000 somewhere and pay all my loans off immediately and just pay the one payment a month. I’d try to pay this loan off in 6 months, hoping the new job I’m getting pays well enough. I’d also cancel one of the credit cards once they are paid off.nnWill this injured my credit, or will it eventually make it better if I make all my payments on time? Also, is this possible?

for too much credit card debt? For how long?

I am considering entering a debt management program because I am way over my head in credit card debt. I know it may not be the ideal solution but it seems I keep putting it off, getting no where paying down my debt. Does anyone have advice or comments?

I have credit card debt that I am considering using a Debt Management Company. Any thoughts?

I am trying to consolidate my credit card debt because the payments are too high each month. If I could get a home loan this would be perfect. I am having difficulty making all the payments and I don’t want to completely ruin my credit. Any reliable consolidation advice would be apprecitated!