Answer: -Be careful to make sure you investigate several offers. You will want to know that you are getting the best terms available.There are many places online that you can apply for a personal loan. You may also wish to try your local credit union. -The only place I know is somewhere like Prosper.com, where there is a community of people that come together to lend money. Banks are out of the question. -Bad credit is one of the worst problems to have... however there exists a solution.I will hereby talk from my personal experience.I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :http://umgarticles.atspace.com/debt-cons...if it helps kindly remember me in your voting!..