Is it worth it to use a consolidation loan to pay off mounting credit card debt?

I am meditative of requesting for the converging give to equilibrate of my assign adjudge debt. we owe most some-more than we can equilibrate even still we hit the full time pursuit with the satisfactory income. Has some one discover there dealt with the converging loan? Did it assistance we or not?

Please note-I am not asking for grouping to write in ads for their own assign counselling services, we hit asked this subject formerly here as well as every we got was ads masked as answers. we am seeking for an honest sworn statement of someone who is/was in the identical incident to cave if there is some one discover there wiling to share. Thank you.