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These loans are often called signature loans, as all you need to do is sign for it. Unsecured loans are better in that they don’t put any of your assets at risk but generally come with higher interest rates.
Secured loans generally have lower interest rates but if you were to default your lender could literally repossess your house and leave you out on the street.
Failing that you could maybe borrow from your retirement account.
If you have a 401(k) and borrow from it you will have to pay interest on the money but you will be paying interest to yourself.
The interest rate could start low but then increase over time so much to the point where you end up paying more on your debt each month than you did on the debts you consolidated.