The place to borrow...
This is an introduction to Lending Club, a social network of lenders and good credit borrowers. Its offered by prospectus, registered with SEC, and praised by Harvard University.
Lending Club has plenty of cash available for individuals and small business. The debt consolidation strategies are mentioned in The New York Times, here, at lower than usual rates.
Got Good Credit? Rates as low as 7.88%. Borrow up to $25,000 to help fund any project. No collateral needed.