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You’ll have to change the behavior that got you into debt in the first place. Take a close look at your income and expenses and ask: If you answered “Yes” to either of these questions, skip down to read about your debt consolidation options.

If you owe more than half your gross income or if you can’t expect to pay off the debt within five years, then you should seek a debt management plan through a credit counselor or consider filing for bankruptcy.

If you think you can successfully manage your debt, then ask yourself a few more questions.

You’ll need to think about which options are open to you, given your credit history and assets.

You will now pay $46,080 to pay off the new loan versus $40,392 for the original loans, even with the lower interest rate of 9%. Get an extra job to bring in more money, and start paying off the debt.