Some people refuse to pay for bad credit loans advice. Even if you do not have the money at the moment to pay for financial counsel because your paying off bad credit loans, you will always be paying loans for bad credit unless you do something about it. You probably have trouble holding a budget and while you might not have the self discipline even after you go to a financial advisor, they have programs and ways to help you become a smarter financial consumer. They range from $45-55 depending on the organization and what they offer you in assistance. Try them out and hopefully your loans for bad credit will eventually disappear.