Based on your information it appears that you have approximately $5000 in debt or less or are in a state where we are not yet offering solutions. For situations such as yours we recommend the following solutions:
First step is to get a credit report to confirm the debt amount is correct. We recommend GoFreeCredit.com for their focus on customer service and making sure every client is satisfied.
It is always good to apply for several personal loans to be able to compare the rates and get the best solution. Another top rated company is Upstart:
Consolidate your debt at Upstart
A final option is Credit Repair. One of the most popular Credit Repair programs in the country is provided by CreditRepair.com. The benefits of credit repair, or credit restoration is to challenge inaccuracies on one’s report. If you have very delinquent debts or feel they may not be accurate, this could be an excellent solution to evaluate.