<human>: Can you provide a brief rundown of the text in within 3 sentences?

First off, I have around $2000 in credit card debt, $34000 in student loans. I just got laid off from my job with no emergency fund (I was pretty much living paycheck to paycheck) and I need money asap.

I live with 3 roommates and luckily, they know my situation so they're covering my share of the rent, utilities, etc. for this month (and hopefully next) for the time being.  Asking them for pity funds to cover my student loan + cellphone + credit card bill is out of the question since they're already doing this for me. I commute so I have no car payments.

I need a low-interest loan to keep me afloat while I'm searching for another job. I got a pre-approved letter from Discover Personal Loans two days ago with a fixed 6.99% APR rate that I'm thinking of taking but I'd like to consult with everyone here first if that's a rational decision. I heard there may be a better way to consolidate my debt with a better loan program/lower APR.

Any advice would be greatly appreciated.
<bot>: got laid off, roommates are covering a brunt of my living expenses but I still need to pay my personal bills but I have barely anything in my savings/checkings