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What are my options on consolidating my debt?
I have four credit cards that I am trying to pay off on top of my student loan. But I am totally unable to make a dent in them. I have tried and bank and my credit union to get consolidation loans and each time I'm told that I have too many obligations. My question is what am I supposed to do? I ran up debt when I was younger and now I'm trying to be responsible and pay it off but I cannot get any help at all and without consolidating it will take me an average of 17 years to pay it all off. What options do I have to get myself out of this hole?

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