Refinance

Refinance. This may fall into the "lower your interest rates" or "loans to pay off credit cards" but you cant refinance a credit card technically. But you can refinance your car. Go on a hunt on the internet. Look for the best deals on refinancing. Ask friends, family, coworkers. Even your next door neighbor to see if anyone got some good deals. Do your research!

Get some books

Check out the finance aisle at Barnes & Noble. There are plenty of books that can help out with debt consolidation. There are some books that get really specific with the type of grants you can get to help with bills, that is if you qualify in the first place. You can also go online and get free e-books on eliminating your debt. E-books are pretty much books you can view on your computer. There are plenty of E-book sites out there. Google is your friend, use it and you wont be sorry.

Create another source of income

Wether it be selling candles online, or getting a second job, the more income the faster you can eliminate debt. Sell something online, create a blog with Google adsense, work a part time job. use this source solely for debts.

Ask friends or family.

Ask your friends and family if they can loan you some money. Its much better to have a loan with a friend or family member than it is to have a loan with a bank.

Loans to pay off credit cards.

This can work both ways.You get a loan from a bank to pay off your credit cards. That way, you'll only have one bill with one interest rate vs multiple bills with different interest rates. Consolidation is the keyword here.

Freeze you credit cards.

Literally. If you have maxed out credit cards, put them in a container filled with water and freeze it. sounds silly, but if you were running out the door, youd think twice on trying to break a chunk of ice on your way out the door.

Shop around for a new card

Look for a card that has a lower interest rate and allows to transfer your balance. key here is to find a lower interest rate. We all now that interest rate is the banks income.