Purpose of loan:
This loan will be used to pay off  credit card debt which I have accumulated throughout my undergraduate and graduate work and to be able to wipe out the entire debt in a 3 year (maybe less) time limit & raise my credit score by paying off all the cards and consolidating everything into one payment at a lowered interest rate. I want to make sure my credit is top notch for future big purchases (house & starting own business).

My financial situation:

Currently I am trying to juggle credit card debt, student loans, and a car payment while working, not only, my full-time but an additional part-time job.  I know this would make it easier for me to move forward in achieving long-term goals by breaking the cycle of high credit card interest rates.

Monthly Income: $2000 approx (after taxes)

Rent: $625

Car/ Insurance: $480/mo

Student Loans: $172.00/mo

Cell Phone: $72

Credit Cards:

1 @ 24.99% Min Payment: $78.00

1@ 21.00 % Min Payment $50.00

1 @ 19.00% Min Payment: $110.00

1 (computer)@ 19.24% Min Payment $25.00

Food (doctor's specialized diet) $200

Gas: $100 approx (walk and ride bike due to gas prices)

Thanks for your help!