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Consolidated debt loan?

A few years ago I consolidated my credit cards to a MBNA loan which is at a ridiculous APR (20% or so).

How can I get out of this loan and pay this debt off with a lower APR?

i assume you learn your lesson when you consolidate and do not have a bunch of credit card debt -- i so you should be able based your few years of good payments and no other debt go to the bank where you have your checking account and talk to the manager or loan officer and she/he should be able to help your out!!!

One way is to go to the bank where you have your checking account. They might do this for you.

Another is to call MBNA and tell them you're considering bankruptcy, but can probably avoid it and pay this unsecured debt in full if they cut the interest in half.
I'm going to assume that if your asking this question, your credit is not very good at the moment. Otherwise, the answer would be very simple: apply for a few of the tens of zero-percent credit card offers that come in the mail every week.

That leaves the easiest method of all: Pay off the debt. Put yourself on a strict budget. Get a second job. Work to pay the debt down and you won't have to worry about interest at all. Your credit will improve. And you'll stop worrying about money and be much happier, relaxed, and positive.

If this is leftover credit card debt from several years ago, you realize you've probably paid double for everything you purchased with the card! And it's a clear sign you're living beyond your means. And you're probably worried sick about the debt level.

Go to the library and check out a Dave Ramsey book. Read it. Follow it.

Trust me on this.
Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loanold loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you鈥檒l no longer have to deal with harassing phone calls and daily mail.
The credit card debt consolidation loans allow you to combine all your debts into a single one that will attract the interest. This will prevent your debts from spiraling out of control and carry on with the repayment installment too. Another advantage is that this new rate will be far below the older ones. Make timely payments; or else you will be repeating the same scenario.

Use many online sources to find a right credit card debt consolidation loan. Here you will get multiple lenders in one place. You can also get nominal rates of credit card debt consolidation loans because of the stiff competition in the market. ...

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