Total rip off. Was paying on credit cards but want...

Total rip off. Was paying on credit cards but wanted to be able to consolidate and pay them off. My credit score took a dive (200 points). When settlements were made they were about the same as i owed due to late fees and over the limit charges. After paying over a year I was offered a loan to pay off my balance at 25%. I took it so I could rebuild my credit score and now feel like I am in the same situation I was in before. Would not recommend going through them