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I’m 20, I have a student loan and some credit cards that I need to pay off. I want to use a service that basically gives me a loan and pays everything off so I just have one payment to pay to a company …can you help me?

I’m sorry but I do not know of such a service unless you can get a bank loan which is very hard these days even if you own a home with equity in it. Student loans may be able to be consolidated using a student loan company and seperately, your credit card debt may be able to be consolidated using a debt management program. So you still have 2 payments.

In this economic environment banks will not generally loan money unless you have collateral. Here is an answer I gave recently to someone else in a similar debt situation but she had a home loan instead of a student loan plus credit card bills. Sorry I do not have a better answer for you.