Shah Gill has been receiving phone calls from his creditors. He has 3 credit card with balances of $5,000 and a car loan with a balance outstanding $15,000. He does not have enough money each month to make the minimum monthly payments on his debts and he is exteremly stressed out. He has come to you for help and you determine that because of his credit rating, he does not qualify for a debt consolidation. What recommendation would you make to him?