Have Career Development Loan - Need Replacement

percnon

I finished an MSc last September that I funded with a Career Development Loan from the Co-op Bank. The interest is a bit steep and I want to pay it off with a lower interest loan (also, I opted to pay the CDL off in two years and would now rather pay it back in three). I also have an overdraft that it would make sense to consolidate into the same loan.

So, I need an approx. £10k loan to consolidate the above. Working full-time, rented flat, etc. nothing to secure the loan against. My salary is not great but not terrible - about average for someone my age (mid-20s). I've been using the overdraft for five or six years and made 3 (out of 24) repayments on the loan thus far, so my credit history isn't extensive but I don't think it's that bad (I don't know my score).

Any advice as to my best options? Its difficult to know where to start.

Thanks in advance to any kind, helpful souls out there.

CLAPTON

start by telling us your salary
and what the APR of the CDL is
and how much the loan is
and how much the OD is
and how much the APR is

and tell us you are on the electoral roll
and what your credit records say