If you have a loan under $10,000 you'll find it hard to consolidate it. Most lender will not consolidate your loan unless you have more than $10,000. But there is always a way if there's a will.

We've all done it haven't we, imagined how nice it would be to use winnings from the lottery to wipe out our debts? Could you actually handle a huge pile of cash pouring into your bank account?