Finance is not looking great for you by beginning of this month. But things will improve a lot and you will see good financial relief from June 12, 2016 onwards. You would be able to consolidate your loans into one loan with lower interest rate and monthly payment. Your bank loans and credit cards application will get approved after June 18, 2016. Your credit score will go up and giving you some relief. You will control your expenses to pay down your debts faster and you will be successful on your efforts as well.