What can I do? I have several severely delinquent accounts (some of them about to drop off due to the late date of them) that, finally out of college and in a good job, I WANT to pay off. Total debts less then 10,000 dollars, but I can't get a loan to save my life. I have NO co-signers available to me, and I don't want to spend 5 years locked into a consolidation plan if I can help it. I want them cleared ASAP! Any suggestions?