You should make a list of all your financings and do not forget to sum up credit cards.
Do not just calculate the principal amount but you should also calculate the interest rate for each financing. If you have taken loan on a credit card, note that the interest rate may vary.
After you know the amount you owe to all lenders, you should look for viable options and start exploring a lender that is willing to help you. You should not rely on just one lender and instead go to as much lenders as possible and discuss your case with them and note down the packages they are offering to you. You can check the availability of lenders in your local area or through the internet.
Now is the time to compare each lender, so you can finalise which lender is best for you. You should not only consider the amount of interest being charged to you by a particular lender but the terms of repayment are also of considerable importance.
After choosing the best option, visit the lender and complete the loan application form. You should provide him all the necessary documents and complete the process.