Graduate Advice

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DVardysShadow

Your problem is that you are trying to solve debt with debt. You solve debt by paying it off. Consolidation loans have a demanding schedule of paying back capital, which is going to hit you harder than just paying down the debt where it is

A loan is what i see as ideal, its paid off then and goes out every month and i dont have to worry about it.

Oh, dear. I think you are misleading yourself on this. If that would solve it for you, you need to do even less to solve your overdraft - you don't need to organise a payment anywhere, you just need to make sure you don't take the money out in the first place.

I suggest you do a Statement of Affairs http://www.makesenseofcards.co.uk/soacalc.html and post it here, to see how people can help you change your budget to make it work.

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I got into a small amount of debt getting myself a home and furnishing it straight after uni obviously carrying over some student debt. I could pay it back bit by bit but then it remains on 16.9% interest on the credit card and soon to be similar with the overdraft which is why id prefer a loan or balance transfer. I was looking for advice on loans and what other options i have rather than a lecture on spending, so nevermind doesn't seem to be anything here i didn't already know.

NorthernLas

If you had left your original posts then you would have got advice from a range of people. However, if you want specific advice then people will want to understand your situation a bit more. E.g. You wouldn't generally recommend a loan to someone who does not have a regular income etc., or one to someone clearly living above their means.
Please don't confuse this with judging you or implied deffamation of your character.