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Feeling a little depressed about my situation. My cost of living is almost as much as I earn and I’m sitting on $8500 in debt between 2 credit cards. I want to consolidate my debt before it gets worse but my bank (TD) denied my application. I reached out to a loan company but their interest rates are scary high (36%). What’s my best course of action? I make $38k annual and pay about $2000 in rent and living expenses. My credit score has sunk to 610.