Just curious, but would you consider paying your debts off as quick as you can instead of getting a new loan? I'm assuming you have high interest rates on your debts (credit cards?), but would you consider instead, working really hard to pay your debts off as quick as you can? Picking up a part-time job? Skip the loan. Change the behavior?
All things being equal, a part-time could net you $1000/month and you could be done in 10 months. You really are not saving that much money in interest is my guess if you pay it off this way. There is great psychological value of paying each debt off . Maybe that might help break the cycle of whatever caused you to get $10,000 in debt?
Just a thought. Good luck!