Yes! Everyone deserves a debt-free future, including people with a low income. To qualify for a debt consolidation loan you must have more than one outstanding loan. Credit9 will check your credit score, debt-to-income ratio, credit history, and all your credentials to evaluate your debt consolidation loan. We remind our customers to tell us about other income they may have, such as social security benefits which can help us get a better picture of their real income level and overall creditworthiness.