nakedmolerat: why not family loan???
Same reason not to be a guarantor? See quote below (emphasis mine)
tdgeek: I agree with OP, been there done that. Its "just" family, I can delay, its "just" family, not like the real life where they hunt you down. Then you end up with family issues, all because you helped. The OP's approach is best, if most debts are high interest, and its too hard to manage them now due to that, to try and get soem means to spread it out. But history and current situation will count against bank help I feel. He is a number and they have criteria