Credit unions are locally owned and therefore are not-for-profit organizations. They are there for the members. This means that they are able to extend credit to those in marginal situations through various kinds of loans. Some credit unions do offer debt consolidation and/or debt counseling.
Contact VFCU at their Brownsville credit union branch at (956) 546-3108, or the Harlingen credit union branch at (956) 425-5668 to find out if they can help consolidate your debt.