It is difficult to see how an unsecured loan could help with debt problems unless it was being offered by a family member or a friend and as such was interest free. It is highly unlikely that any other type of unsecured loan even if it was over a longer repayment period would solve the problem. Without being flippant, if you did manage to find a company who was willing to lend you money the interest rate would surely be too high ....STAY AWAY!!!...this is not the answer to your problem.