Answer: -You can use lendingtree.com. They are really good. Does that person have any military service time in? Let me know cause if they do then there is someone that they can use and they will automatically get it. -If the person owns a home, look into a home equity loan. Before consolidating, be sure they are on a budget and are not going further in debt. The worst thing they can do is consolidate and then run up more debt. -There is one article in my resource box talk about how to consolidation your debt even with bad credit. Hopefully it helps.