I have a small car loan (about $5300) and student loans (totalling about $10,000). I know I am going to have trouble paying both. Is it a good idea to dip into a debt consolidation loan, or whatever it is? All I know is that these businesses pay ...

I had a few loans out through my significant other, one small one that i used for a car about $6,000, one larger one for about $28,500, and then we had some combined stuff to do around the house, etc, so that was a home equity for about $30,000......