Make a budget. Eliminate all the extras. Take every penny you can squeeze out of that budget and put it on the highest interest rate debt, while making minimum payments on the rest. When the highest rate debt is paid off, move to the next one, till they are all paid in full.

Don’t shift the debt to one big loan. People tend to run the credit cards back up. Then you have the big loan payment and the credit cards. Besides, that big loan will end up costing more in interest even if the rate is lower due to stringing out the payments.

Don’t pay it for seven years so it clears out lol

Do not consolidate. Pay the depts off. Easy way to decide which to concentrate on is take the amount owed divided by the payment for each dept. That gives you a number. Take that number and put the depts in order with smallest number first and so on. Set a budget and hopfully you have some extra money. Appy the extra money to the first dept only plus the standard payment. Pay only the minimums on the other depts untill the first is payed off then take that dept and roll it onto the next payment until it is paid off.

1st credit card $1000.00 / $90per month = 11.1
2nd car $5000.00 / $200 per month = 25
3rd House $90000.00 / $925.00 per month = 97
Extra money $20.00 per month

Credit card Payment : $110.00

After CC paid off : Car payment = $310.00

After CC and Car paid off: House Payment = 1235.00