I was in the same situation I ended up consolidating my debt through ClearhClear One Advantage <link removed>utm_source=fb&utm_campaign=criteo&adgroup=d&method=db&utm_medium=ldls. I opted for this vs loan and they will work with you on monthly payments expected. Great customer service and very informative, understanding, and encouraging when you need hope to see light at the end of the tunnel 😉
