Ok so hubby and I are trying to sort our finances out once and for all, we are in a fair amount of debt, a lot of it hubby accumulated before he met me and the rest we have managed to rack up together over the years. Anyway we are in about 21k worth (if you go by the settlement fee for loan) of debt all put together We feel we have two options: 1. Take out a HUGE loan to cover the lot and pay it over say 7 years which will end up us paying around 7k more due to intrest BUT would lower our monthly payment which would be very helpful at the moment. 2. Take out a loan to cover the credit card amounts only (not the existing loan) and pay two seperate loans, which may mean paying slightly less intrest if we get good deals. Which means our existing loan will stand at around 17k, plus the credit cards would put us at 27k. We need to sort this out as we have been cursing along now for almost 5 years as we are and we are really not getting any where and now with bub on the way we need to be more financialy sound.