I'm in debt.., What should I do? Options

[Jen]

I am about $8k in debt. My credit score is a 600 , and my income is so crappy.. that I don't even want to post it.

I was in more debt, but I have paid a lot of it off.

Should I get a consolidated loan, and put all of my bills into one?

I asked someone, and they said they could only give me a credit line of $2200, or something.

I'm just so confused.. and I just want to not worry about making 5 payments a month.

Does anyone have experience in this kind of thing, and could help me out?

I'm going to go to the bank sometime this week and see what I can do, but I'd like a little advice beforehand.

I am STRESSED to the MAX.

[saleeka]

If I were you I would NOT cancel any lines of credit you have once they are paid off- doing so will actually lower your credit score, regardless of reasoning as to why! Over time, slowly cancel lines of credit if you must, but you will preserve what's left of your score by just letting them sit at idle, so to speak. Also, even inquiring about any other additional loans/lines of credit will also cause your score to drop, FYI... The closer together the inquiries, the harder the hit will be. These little things don't sound like much, but when added up, they can really screw your score over if you already have poor credit...