Write an article based on this "Contact a bank or other lending institution. Realize that a bad credit score can limit your options. Borrow from family and friends cautiously. Agree to a low-interest loan and stick to its repayment schedule."
article: One way to consolidate your debt is to use a bank loan or a loan from another type of private lender. Loans come in two types - secured loans, which are tied to an asset like a house or car, and unsecured loans, which are not. Simple, direct personal loans, as described in this method, are unsecured loans. These types of loans are available through numerous banks and commercial lenders, but also "under the table" from family and friends. Your first step should be to contact prospective lenders and explain your situation. Each lender you contact should be able you to tell you whether you're eligible for a loan, and, if so, should tell you the loan's interest rate. You will want a loan with as low of interest as possible - it must at least be lower than the rates on your current debts to be "worth it". Your credit score is based on your financial history and is essentially a "grade" of your financial stability. Nearly all commercial lenders will perform a credit check before agreeing to give you a loan. If you have a history of bad financial decisions, you may be unable to obtain an unsecured personal loan from a commercial lender. Getting an "under-the-table" loan from a friend or relative can be quicker and easier than getting a personal loan from a commercial lender, but it's far from risk-free. Being in debt to someone who's close to you can change your relationship with this person by creating a power dynamic that didn't previously exist. It can make interactions with this person tense or awkward, especially if you're having difficulty paying off the loan. Additionally, because informal loans are difficult or impossible to legally enforce, disputes over the loan can become long and messy. As a general rule, only turn to family and friends for loans as a last resort. Unsecured commercial loans often (but not always) have lower interest rates than credit cards, while the interest rate of a loan from a friend or family member is decided by that person. If you can get a low-interest loan that lowers the size of your monthly payments, take it. For instance, if you have multiple maxed-out credit cards, it's wise to consolidate the relatively high-interest credit card payments under one low-interest personal loan. Once you've consolidated your debts under a new loan, it's imperative that you make all of your new loan's payments on-time. Late or missed payments can lead to legal action or bankruptcy.

Write an article based on this "Research key information about certification. Register for the Public Access Test. Beware of scams!"
article: The Americans with Disabilities Act (ADA) doesn't require certification for service animals. Service dog handlers usually use gear such a vest, harness, or other visible marker to identify the dog as a service animal. While the dog's training is what grants access to public places that normally don't allow animals. The gear can make it easier to show the dog is an assistance dog while keeping your illness or disability private. Certification or gear is not what makes a service dog a service dog, rather, training is what constitutes a dog's status as a service animal. Laws vary from one country to another. If you live outside the U.S., look up the legal requirements of service dogs, their trainers, and their partners. This test is optional in the United States, but most reputable trainers will highly recommend that handlers and their service dogs take the test. Visit ADI at http://www.assistancedogsinternational.org/standards/public-access-test. Scroll to the bottom left of the page, and click "Members Search." This will give you a list of the accredited members and candidates that can administer the test. To find a location near you: Choose your region by clicking it on the map. Choose your country from the drop-down list. Depending on where you live, you might see a second drop-down list that asks you to choose your state or province. Scroll down slowly to find an organization near you. Click on their website, call the number, or send an email to the listed address. Ask for the next available dates and times they will be conducting the test. You might be required to do a "demo" before taking the actual test. This will usually consist of three tasks that the organization will assess to see if you and your dog are ready for the next step. If your dog has been trained in medical alert tasks, be prepared to submit a video of your dog performing them. Ask the organization if they record the test. If not, have the test recorded and keep it available at all times. You might need proof in the future that you and your dog passed. Because the ADA doesn't require certification, scam artists might try to take advantage of you. If you need guidance, call the ADA information line at 800-514-0301 (voice) or 800-514-0383 (TTY) between 9:30 AM and 5:30 PM (Mon.-Wed., Fri.) or between 12:30 PM and 5:30 PM on Thursday. All times are Eastern Time. There are many registries and websites across the internet that claim to provide unfettered access via ID cards or papers. This is generally frowned upon by trainers and service dog handlers because certifying a service dog and providing papers for them encourages businesses to ask for them. This is not only illegal, but can also provide an easy way for someone to pass off an untrained pet as a trained service animal. Registering a dog as an emotional support animal (ESA) does not grant any public access for the dog, as comfort is not a legally permissible task under the ADA. Registration is not required for ESAs and has no legal standing. All that is required for an ESA is a letter from a healthcare provider that the animal eases symptoms of a disability through comfort.

Write an article based on this "Rebuild your trust. Accept it if you can't forget the pain. Focus your energy somewhere else. Take time to reflect. Know that only positive revenge is worth it. Move forward instead of looking back."
article:
Take things slow with the person and work on repairing your relationship. You may not trust the person right away and you may have some doubts about whether or not you can continue to be friends or to date each other, and that's perfectly normal. Take things slow and hang out in low-pressure situations while giving each other space to be alone, too. Don't open up completely to the person and have less intense conversations until you feel comfortable sharing. This may not feel as great as your relationship used to be, but if you want to go back to how things were before you were hurt, then you'll have to take baby steps to get there. So you've tried everything. You've given yourselves time apart. You've shared your feelings with the person who hurt you. You've shown compassion and have considered the situation from that person's perspective. You've tried hanging out in low-pressure situations. But no matter what you do, you can't stop thinking about how hurt you are, being angry with the person, and doubting that you'll ever be able to fully trust him again. Though this is unpleasant, it's perfectly natural, and if you can't get over it, then it's better to admit that than to be in denial about how you feel. Sometimes the pain is so deep that you won't be able to brush it aside and act like nothing happened. Now you have to decide even though you can't forget the pain, will you be able to find a way to deal with it that allows you to still spend time with the person who hurt you? Accept it if you can't keep being with the person. Maybe the wound was so deep that being with the person feels like picking the scab all over again. If you really just can't get over it, then there's no point in forcing something that just isn't there anymore. Make sure to have other things on your mind while you're working on rebuilding your relationship. Spend more time running and training for that 10K next month. Work on finishing that short story you've been working on forever so you can submit it to a local contest. Enjoy your relationships with people who haven't hurt you. Find something else that makes you really happy and that you can look forward to, and you'll spend less time feeling the pain. One day, you may look as see that hey, the pain is no longer there anymore. You might have thought that would never happen, right? Staying busy will keep you moving forward and having positive things to look forward to. If you give yourself too much time to wallow, you'll only feel worse and will be less likely to forget what happened. Though staying busy and active will help you heal faster, you shouldn't be so busy that you don't have a second to breathe or think about what happened to you. Make sure you have time for "me time," that you can write in a journal about your feelings, or that you can just take some time to turn off your computer, television, and phone and focus on just inhabiting your own mind and body. Being quiet with yourself can help you figure out how you really feel about the situation; the faster you know exactly what you think, the faster you can move forward. Plan a weekly or bi-weekly date with yourself when you have nothing to do but spend time with yourself. This will help you calm down, think, and get rid of those angry feelings. You may be so hurt that you want to get the person who hurt you back to make him or her feel the same pain that you felt. However, this will only make you feel more stressed out, angry, and bitter, and it won't solve anything. If you really feel the need to seek vengeance, then know that the best revenge you can get is just to live a great, accomplished life, to be happy, and to not let what happened get to you in the end. This may not sound as sweet as slapping the person in the face or hurting him or her the same way they hurt you, but in the end, you'll feel much better for being your best self instead of stooping down to that person's level. Just live your life and enjoy being yourself and doing the things you love to do. If you spend all your time trying to make the person who hurt you feel terrible, then you'll never be able to go on. Focus on the future and all that it holds for you whether the person who hurt you is in it or not. If all you do is wallow in the past and think about all of the ways that you were wronged and that life hasn't been fair for you, then you'll never be able to forgive and forget. Instead, have gratitude for all of the people who do make your life great and all of the opportunities you have and think about all of the wonderful things that lie ahead. Focus on the goals you want to meet in the future that will make your life even better. Make a plan for achieving them instead of thinking about all of the things that went wrong for you. Continue to work on yourself. Improve those things you want to work on and see how much better you feel as you become a more caring, compassionate, and well-rounded person. You have made a choice to forgive and forget, and you should be proud of yourself for doing that, even if it takes longer than you hoped to get there.