Personal loan to Consolidate my debt or declare Bankruptcy?

Okay initially things initially, I have an apartment and I really don’t want to lose it nor the stuff that is in my apartment, I am just at a point in life aptly now that isn’t excellent.

I got cut back on my hours at work and I’m only pulling in about 1300.00 dollars a month now, I was making more than double that. It’s horrible and very upsetting.

I have 27,900.00 worth of debt and this is a combination of a car loan, shape loans and credit cards.

I went to capital one and was going to fill out an application for a personal loan but they said it was by invitation only. The interest rate on CitiBank is too high. I really would like some advice, I know Bankruptcy is a low trashy way to make out of the debt I made but I was making more than this.

Mind you I am 21 years ancient and by the time I’m 28 I’d have it off my record. So what do you reckon I should do and please do not recommend one of them prosper or other sites where people bid on your debt, I am not looking to make into that I just want a personal loan with a low interest rate.

I have wonderful credit 750 and I always make my payments on time, it’s just now I’m really starting to dig into my checking account and I’m getting worried with how quick it is diminishing.
Also I have been filling out applications everywhere for a second job but no one seems to be hiring with this economy the way it is!

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