is there such an animal as being able to get a consolidation loan to pay off debt without re-mortgaging your house? my intrest rate is so SWEEEEET that i can't stand the thought of getting a higher intrest rate. every bank and entity i've spoken to wants to re finance something.
there's a hole in the boat...there hasn't always been a hole in the boat but there is now and i need to repair it quick before i's drown in debt.
again, all i want to do is consolidate my debt into one loan and pay it off.

GET THEE BEHIND ME CREDIT CARDS!!!!

how much are talking about?

A few questions that follow are for you to write-down and do not have to be responded to on here. These questions are to get the thought process going before providing some possible solutions without remortgaging.

How much is currently on the cards -or- what is that monthly payment that you are paying that you want to lower it to?

What is the average interest rate that you are CURRENTLY paying on those cards, and have you investigated unsecured loans?

If you do manage to get a consolidated loan at a lower rate without giving up something, will you go into debt further to the level of those current monthly payments that you are paying now?

ok, i'm going to do some thinking.
thanks

offering a band aid solution, if the traditional method (remortgaging)is not the route you were looking for.

Next step is to figure out the comfort level you have in paying the debt that you have and how quickly you can get it finished without too much pain and suffering.

Will any of the financial institutions give you a better rate for an unsecured consolidated loan than what you are paying now, and are you willing to cut up the credit cards?

How is your credit score?

If the level of debt is not too large have you looked at other alternatives like

http://www.prosper.com/

Another one is the credit card (CC) swap technique.

This involves getting a new card with maximum limit and zero transfer & zero interest for 12-months.

Ok, this is the way that this works.

1. Go out and purchase something on CC 1 with a high value that can be returned for a full credit.

2. When that bill comes in on the CC 1, do the balance transfer to card number CC 2.

3. Return the item paid for on CC1 and get a full credit on that card.

4. Call the CC1 card company number one and close the account and ask for that credit. A check will be sent to you.

5. CC2, is interest free for 12-months.

6. Use the check received from the CC 1 company to pay off some debt

Another idea (you may have already done this) is to talk to your current banker and several others to increase the number of years on your current mortgage at the same rate, thus lowering your monthly payments.

Again have you tried for an unsecured loan or a low rate second mortage?

Last point. Are there any life style changes needed to what you are currently doing to get yourself out of debt quicker, without falling back into the same situation?

Hope this helps