I consolidated with Bank of America credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first. 
