OK - update. I was denied for my personal loan because of the ratio between debt and limit. BUT I got a raise effective MONDAY!! That's right, my consulting company got be a $3.25/ hour raise!! I am so happy I could shit. I also was informed that my contract is extended through the end of June!!
Oh god, I am so lucky. I am so excited. No more worries. Now, I can just sit back and pay my bills and not worry about where the money is. Good-bye credit cards, hello cash!!
Thanks for all the crossed fingers! Now I actually will have enough money to live on without using cards. Now I can actually get my credit card balances down!!
OK - sorry I am rambling, but it's like this boulder has just been lifted from my shoulders

I kind of feel like this: