Debt Consolidation.

Debt Consolidation.

Back in December of '06 I was honorably discharged from the military. I had a little bit of a savings saved up, and had planned to move to California with my best friend as a room mate. Long story short, my friend flaked out on me and I ended up moving to Wyoming on short notice to live with my Aunt until I got on my feet. I was a little irresponsible with my bills, my life was a collective mess. I missed a payment on two credit cards, and after that it snowballed into an amount (late fees + two payments) that I couldn't afford. To save my credit, I talked to my bank in Wyoming - and they reccomended that I consolidate the debt via a loan. I took their advice, and so I was granted a 5,000 loan. Last year I was deployed to Iraq for 6 months. During that time I was able to pay off half of the debt. While I was gone I was fucked over by another room mate, and came back to bills unpaid with late fees. Right now I have taken care of most of my bills, all the large and dangerous ones. I have the inital loan, two 200$-ish bills, then a 350$ hospital bill (that should have been covered by the Reserves since I was injured while on orders, during trainning). I am currently working with the Reserves on the hospital bill, but it's already been reported to my credit, as well as the other two 200$ bills. I was given the advice to pay the hospital bill now - to get it off my credit report - and they'd refund me the money when they did all the paper work and what not. I am now living in Utah, and I am with a new credit union, though it does do the shared branching thing with my old credit union - the one with the loan. My question is... my loan payments started up again this month. (they had it on hold through the duration of my orders, they were a really good credit union. They also put the intrest down to 6% via the Soldiers and Sailor's Act.) I'm finding it really difficult to pay the loan since I live in Utah, and the credit union is located in Wyoming. I was thinking, to simplize things, would it be a good idea to get a loan through my current credit union to pay off my current bills? That way the red marks on my credit are gone for now, while I work the issues with the bank and with the Reserves concerning the hospital bills, and other bills. I would be sacrificing the 6% interest, but my finances right now will allow me to be able to make large payments on the loan, hopefully paying it off fast. (Within the next 16 months or so.) I am also going to be deployed again for two months in October. I don't think it will qualify under the Soldiers and Sailor Act to get another 6% with the new loan (I think you have to be activated for 90days) but it will mean really good money (tax free!) - which I plan on spending on debt, and it will be easier to handle my debt while overseas if it's just one payment I can make online. That way I don't have to rely on potentially flakey people (like my family) to handle my bills while I'm away. I guess I'm afraid that since I have these red marks on my credit, my credit union will deny me the loan - or they'll give me a horrendous interest rate. My credit was perfect (A range) before I left for Iraq. Is there any unforseen thing that may get me in more trouble debtwise than I already am? What is your guy's advice? Thanks for reading this tl;dr. :)
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