How can I get out of debt with secured loans?
Answers:
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you should try looking at a credit restoration place. Some can actually get your creditors to lower the payments to help you out.
Try selling the car for the payoff amount, or getting someone to assume the payments. that would allow you to get a cheaper car and save some cash.
If you are a homeowner, refinance.
What are the rates on your other loans? You need to get rid of that 59% loan. You are paying $59 per year for every hundred dollars you are borrowing- so that's $2,950 PER YEAR just on that loan.
Your school loan is likely the most reasonable rate and may not be worth consolidating with the other higher interest loans because the bank will offer one rate, which may be higher than your school loan rate. I would definitely seek credit counseling services and ConsumerCredit.com is a great site.
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