I lost my job last month. It came as a bit of a shock, but in this economy, not so much. I had been less than smart with my spending habits beforehand because I always just assumed that I would have a job and get raises, etc. and I would be able to pay off all of my debts in time. Now, I am in need of a low interest debt consolidation loan as soon as possible. I am not going to be able to keep making the monthly minimum payments on all of my cards. If I can get them all into one monthly payment, that would be a lot easier for me to handle. However, I am going to need to do it soon so that I do not start getting behind in my bills.