16,000 in credit card debt and drowning
I'm currently going through a seperatuon and have used up alot of my credit cards. I have 16k in credit card debt. I applied for a debt consolidation loan with my local credit union and they denied me. I make decent money but I can't keep up with all the payments and it is snowballing. I'm looking for any recommendations for a good bank or company I can apply for a debt consolidation loan so I just have one lower interest payment. Do NOT want to just not pay my debt I just need something more reasonable to pay. I pay about 600 in just minimum payments at the moment and can't sustain this rate. Any help or suggestions is greatly appreciated!!
UPDATE I went with acreddited debt consolidation. Will be paying 260 a month and need to not pay ccs to prove hardship. 260 is much more doable than over 600. I thought about getting a 2nd job but I'm already tired as it is lol. I don't want to be drained the Lil bit of time that I do have my boys.
I'm just looking forward to the piece of mind. It is pretty hard already dealing separation from someone who will not admit any fault and just blames everything on me for why it didn't work out. I would dread the time of the month I would have to sit down and pay credit cards one by one.
Hoping this will work out. If I can figure out a chill side hustle I might still do that too. Thank you everyone for your ideas!
SECOND UPDATE : I changed my mind about acreddited , went with a different bank and got a 17k personal loan. Paying 450 which is way less than i was paying with all the credit cards. I was going to pay 260 with accredited but my credit was going to take a dump. I'd rather pay a little more and ave my credit. Thanks everyone! Someone of the comments helped me make up my mind and try a different route before I stuck it with accredited.