Credit Union and Debt Consolidation Loans

Credit Union and Debt Consolidation Loans

I'm kinda over my head with debt. I fell into a situation where I was supporting myself and my boyfriend while he finished school. Our finances are slowly improving, but I put myself into a bad debt situation because of it. I recently joined my local credit union and applied for a debt consolidation loan. My credit report, quite frankly, is a mess. How likely am I to be approved for this loan? I was considering sending a letter to the credit union explaining the situation further, do you think that would help? I have read all the pitfalls of debt consolidation, but I feel I'm really committed to this, cause the spectre of debt hanging over my head has kept me in a perpetual state of anxiety and depression. I'm determined to dig out of this hole.
my soon to be apartment!

my soon to be apartment!

Office etc

Office etc

Raised Bed Garden!

Raised Bed Garden!

Two Clematis.

Two Clematis.

Care of lemon myrtle

Care of lemon myrtle

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Marigold seeds