I'm Anne. I've been preparing taxes for 27 years, and I'm happy to help you.
I'm assuming that you already tried for the loan on your own, and you were turned down. If you HAVEN'T tried for the loan, I would do that first.
Short of having a co signer , if you own a home, you may be able to take a home equity line of credit
There are many new CC's that are allowing interest free balance transfers and no interest for 6 mos. 12mos, etc . If you could transfer ANY of your previous CC balances to a no interest CC , I would do so.
If the bank turned you down for the $7000, I would ask them what, if anything, they COULD lend me with that credit score.
You may have to approach this problem as not one large cc bill, but as many cc bills, and then look for solutions for EACH cc.
I hope this helps
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