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i need a good guarantor loan HELP!!!!!!!

hi guys

there is so much on here to digest so i thought i would ask a question instead ha ha

i have bad debt coming to around £18,000 including money i owe my folks. I was made redundant around 5 yrs ago but worked my !!! off to get back inot a good job and now i am a manager for M&S. Everything work wise is fantastic.

I rent a housing association flat which i pay £228 a month for and its great.

My problem is that now i can more than afford a loan to pay off all my debt i can for love nor money literally!!!! get one!

My parents have agreed to be guarantors on a loan and they know i will pay them back as i have always been good with paying them

the monthly payments i make now are shocking so i want to be able to lower my payments whilst still paying off my debt.

I dont wanna go bankrupt or go into an iva cause i wanna be able to buy my flat in a couple of years time. and stop wasting money renting.

can anyone please please tell me how i go about finding a good Guarantor loan.

My parents have an amazing credit rating and have never had a problem with debt.

thanks guys :T
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