Is debt consolidation a bad idea?

I know I'll have to pay back the loan. You can pound this thing out in no time.

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It is usually easier to pay who you owe sincethey already loaned you the money. Try a parttime job like delivering pizza to start to make adent in the debt.

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I'm in $3,882 in debt and I'm desperate to payit off. I really trying different options.

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Is debt consolidation a bad idea?

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Yes and no. I know I'll have to pay back the loan. But me personally I would pay that amount back,stop spending so much and get it under control.. I really trying different options.

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I'm in $3,882 in debt and I'm desperate to pay it off. The duration of the payment could end uplasting longer with high interest rate but in the end it will save your butt. This amount is from dentalbills I couldn't afford and from a dental office that was misleading. This amount is from dental bills Icouldn't afford and from a dental office that was misleading. Sounds like you're just freaking out alittle bit and grasping at straws to find a shortcut. Then pay off one at a time and things get easier.Take a breath and realize that there are no shortcuts--just hard work. Yes if you wanna prevent fromfiling bankrupcy over that amount of money, your monthly payment can be put into 1 payment. Inthis case, a debt consolidation IS a bad idea because I can almost guarantee you that you will notsave any money by consolidating