One day I chose the best thing that I could come up with and that was taking on a consolidation loan. I was literally in a sinking ship and did not know it. The loan help me to be able to stay in my home and do the necessary things that I needed to do to keep my family life strong. I have three children that depend solely on me and I was able to give so much more time to them because of the help from the loan. It also helped me to have money left over and that was unusual for me.