Credit card debt consolidation services is a choice that you can look into as well. In this process you may have the best chance to lower your interest rate. But you need to compare a few of these services. Also make sure that they payment they set up is one that you will be able to pay without any problems.
In the long run, you will be the one who decides which way to go for a debt consolidation. But people who do not own a home will not even have the option of a loan, at least not a home equity one. You can look into a personal loan, but you will in many cases need to make that a secured loan, so it may not help you out much.
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