What are some companies that pay off your credit cards and you have only one loan payment...Any dedit consalidation companies that will pay off and not just settle??

you can google debt consolidation just as goodl as anyone else

You are asking about a balance transfer. Some Balance transfers are ok and may even lower your rate.

Talk to your local credit union about debt consolation.

It sounds like you have been talking to the wrong kind of people based on your question.

Your best bet? The dreaded second or part time job.