Should I use a personal loan for debt consolidation?

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

1. 1
   Throwing every spare penny from paychecks into paying debt down
2. 2
   Selling vehicles to use proceeds toward debt payoff
3. 3
   Continuing to pay down existing loans directly without taking on new debt
4. 4
   Refinancing debt to a lower rate
5. 5
   Cutting back on interest by reducing the rate and forcing a timeline
6. 6
   Making a spreadsheet to track principal reduction

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.