Debt Consolidation?I am looking to buy a home within the next 180 days. I have about $22,000 consumer debt and annual family income of $72,000. I have been offered a $9,000 loan at 8%. I could lower the interest rate on about 1/2 my debt, but I would still owe the same amount. Good idea or not?September 28 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.