<human>: Summarize the given text in a few sentences.

It could not have gone better. I took out a stupid loan in 2008 as an emergency fund, intending fully to pay it back in a month or two...well that didn't happen and 3 years later I still have the loan... Out of nowhere they hiked the interest rate up to 27% on me...I tried to fight it but lost... Had another card that hiked the interest rate to 28% for no reason, and again lost the argument to lower it.
    
Fast forward to today, the CU I work for (IT dept) was offering debt consolidation loans so I applied for enough to cover the big one from 2008... When I called for a payoff balance it was much lower than I thought and I was able to roll the other one into it as well. So...
<bot>: I took two loans, one $3486 @ 27% interest, and one for $782 @ 28% and consolidated them with my credit union for 24 months @3.9%.