Just to confirm, you said & meant "load officer" correct? not loan officer?Go talk to the load officer at a credit union (NOT a bank) near you. You may have to shop around to find a CU for which you are eligible. A load of $42000 for 10 years at 7% a.p.r. would cost you just under $488 per month.
If you can't find a loan for the full amount, use the divide and conquer method. Pick the credit card for which you owe the least amount. Borrow that amount and pay it off with the proceeds of the new credit union loan. If you can't borrow the full amount, borrow what you can, and pay that credit card down. When one credit card is paid off, start on the next one.
It can be tedious but it works.
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