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A personal loan could help to consolidate credit cards, but make sure this is the right strategy to pay off debt. If you need to borrow money that has a traditional credit check attached, you will need a cosigner. Before lending you money for college, banks, credit-unions and other lenders want to see a long positive credit history. If your credit record is limited or blemished, a cosigner with a better track record can help you get the cash you need. See how the Specially Adapted Housing program is helping Veterans like Mike Gillies