Financial questions that need an answer

How do i get a individualized loan on bad credit?
i just applied a loan for $13,000 to consolidate my credit card debt at citifinanical

i have bad credit. so i dont expect a yes from citifinancial. but just wondering if its doable to beg and plead them over the phone and maybe they’ll at least reconsider giving me some help? is it worth it? or is it like a NO and thats that, period. regardless of what I say it wont change things?

i might kill myself because i just cant take this debt anymore, i am poor and i am broke. and no matter how much I work Im still broke. on top of credit card debt I have 25,000 student loans. I suck at my job and I hate life. I have no friends and no social life. why should I wake up everyday and continue with this