I Want To Get Out Of Debt

There are a lot of options out there for getting out of debt, from consolidation loans to structured repayment plans to bankruptcy options. For me, debt settlement worked the best. A couple of years ago I inherited over $200,000 in debt when a business partner passed away.  I was paying nearly $4000 a month in interest and sliding quickly toward destitution. Like many people in debt, I was scared for my future and suffering through a lot of pain, stress and anxiety.
Although there were many companies out there offering debt settlement representation, I chose to do it myself and over the next several months reached settlements with my creditors, mostly in the 30-35% range, that brought my overall debt down from $212,000 to $30,000. I had $115,000 in debt written off entirely!
I'm not in the middle of the negotiations on the final two accounts and will soon be credit card debt free.  

Loaning to pay off the debt is really not going to happen, not in todays economy. In the early part of the decade if you could fog a mirror you could get a loan. Thats an old industry joke we had of how easy it was to give out loans. No, especially if you are already showing financial difficulty, getting a loan is probably not going to happen.
Debt Reduction/Negotiation/Settlement all these terms are intermingled. But they are all used to identify either reducing the over all balance (most common) or reducing the interest rate.
Debt Settlement is basically where you negotiate the balance of your debt to a lower amount. That is the simplest way of putting it... I think. You dont have to be a professional to do it either. If your behind, you can easily do it yourself.
I used to do it professionally and I used the tips to settle my own debt, and that was in late 2007, when the Mortgage collapse was just starting to hit. I would imagine now creditors are really chomping at the bit.
I just recently wrote a book on the whole process, explaining everything step-by-step on what to do. If interested you might want to give it a look, ...

"its not how much money you make, its how much you keep"

Best of Luck!