Credit History/Loans?

I raked credit card bills when I was a student and my credit history is worsend. I currently have astedy job, work as an env engineer, and intend to pay it all and get back on track on credit., I plan to settle down by end of this year or so, I was hoping when I pay using debt consolidation or on my won , it gonna take long time to ay (atleast 5 yrs) and also the report stays on for atleast 7 yrs. Is there a way to get a loan to pay the whgole debt in full even if the interest rate would be high?? I dont have any collateral (property or so) , so please tell me if there is anyway to get a loan or clear it out?

Public Comments

1. You can't borrow your way out of debt. Just list your balances from smallest to largest and pay every cent you can scrape up on the smallest one while making min payments on the rest. When that one is gone, attack the second smallest, and so on. It will take a lot less time than you think if you live on a strict budget.
2. You might be able to find a lender to give you a personal loan to consolidate your debt but that depends on who you go to. If you can't, pay off more than the min required per month on the one with the highest interest rate and get rid of that first and work your way down the line from there, always getting rid of the higher interest rate.