I’m currently 23, ever since my was 18 I was building my credit because I know it’s an important factor. Sometime around last year, I took out some personal loans to start a pub and eatery (it failed, whole story in of itself.) I’m trying to get a debt consolidation loan to get lower payments on my debt however I cannot get approved. Anyone have any suggestions or should should I ruin my credit and go with a debt relief company? I have about $25k in loan debt and about $20k in maxed out credit cards. Also a co-signer on some student loans however that isn’t an issue. I don’t have issues making the monthly payments. However I am completely unable to save any money or do anything with my money. If anyone has a loan company that would approve me I’d appreciate it. I have a 99% payment history