Private College Student Loan

Is it possible to consolidate my student loans and my credit card loans ASAP?

I have a lot of loans to pay back and I was just thinking about consolidating all the loans into one. I have 2 credit cards ( one in collection , one almost in collection - hsbc and chase ) Then I got a student loan ( 3 of them - One citi bank , Sallie mae and Great lakes ) I am really desperate and stressed out because every single one of the above mentioned people keep calling me daily , and with my current job situation , i just paid the deposit to move into a new apartment because there was a shooting 10 feet away from my apartment door . My car payments are also very high ( 425/ month ) I need a plan and i was intending to sell my car , then pay off my credit cards ( one by one ) . I had 3 credit cards in the beginning , but i paid off one of them few months ago . How can i consolidate my student loans and 2 credit cards ? I know it's not possible to do them together. but the payments i am making right now are just too much for me to handle with a $400/week paycheck on top of the rent and car payments i have to make . ( $50- for city bank, $50 for chase bank , $275 for hsbc , $72 for sallie mae , Great lakes - total bal = $34,000( on forebearance )

Public Comments

1. OK, you're in a world of debt here and you need to start stop the cycle. Consolidation loans are really not all they are cracked up to be. yes, you turn many loans into one, but you are just replacing debt with debt. What's the point. Plus with your credit, you are unlikely to get a favorable rate. There are a couple of angles here. First, you have income issues. You're currently bringing home about $10 and hour. You need more work or higher paying work. That's not a put down..it's just reality. A little bit more makes a big difference. Secondly, you need to sell this car today. Do you realize that more than 25% of what you make goes out to pay for your car? Add gas, repairs, insurance, etc, and it turns out that you are working for your car. Sell it immeidately. That frees up more than 500 per month. That's more than you've been paying on your debts combined. Next attack the smallest debts first and try to settle with the ones in collections. You can do this. You just need to focus and believe in the process.
2. Listen to Jay P. Later when you are less stressed, Google Dave Ramsey. He has very good money management stuff.
3. You better sell your car at once and settle all your credits with small balances. If possible, maintain only 1 credit card if you cannot avoid using credit card. You cannot consolidate your student loan to a credit card if these acquired with different credit providers.