Welcome to My Fico.
Thank YOU for your service!!
You could request cli on your cards NOT to spend but to help immediately with uti, this could help with approvals.
Have you talked to NFCU? See if they have a loan they could offer you?
Perhaps see if there are any 0% BT options and what kind of approval you could get with a card from NFCU.
Put all the debt on that card, stop the interest hemorrhage and pay it off or mostly by the time the 12 months are up..
I'm sure others will have better ideas..
There are many loan prequalifiers that you could check with only a soft inquiry. If someone offers you a loan, you will get to see the rates, term, etc. If you decide to go ahead and accept the loan, then it will be a hard inquiry. It can't hurt to try to see if you get any offers. There is Prosper, Lending Club, Sofi, Marcus, and quite a few more to try. GL!
You might want to read an article on Nerdwallet titled "Best Personal Loans for Veterans plus other finacial help". I didn't post a link because I don't know if they permit it here. Some good info, some you already know.
I'm curious why the Military doesn't have some sort of Financial advice sector by now though. They take in so many at a young age ,but cannot assist them in life living matters post service?