I would avoid it if at all possible. My advice: head over to savingadvice.com and post the details of your situation - income, expenses, debts, interest rates, all the nitty gritty. Many helpful people will help you form a plan to reduce your spending, pay off your debts and start putting money away for the future. It is generally a very non-judgemental group as many of them are in, or have been in, similar situations themselves. Best of all, it won't show up on your credit report.