I am really interested in getting a personal loan to pay off some unexpected medical expenses, but I am worried that I won’t qualify. I already have a lot of debt, so I am worried I won’t be able to get a personal loan. When you apply for personal loans, do they take into consideration all the debt that you already have, and your income, to determine whether or not they give you the loan? I am assuming they do, I am just hoping they will give me a loan with small payments so that I can pay it off over a longer term.