I definitely wouldn't have spent it if there were no hope or she was suffering...I've put down so many animals in my time, that my house is filled with boxes fo ashes. But then, no one knew what was wrong with her and the 6K was all for diagnostics. It ended up being a horrible story and I did put her down in the end. I guess "she died anyway" is sort of misleading.
As for loan consolidation, yes, done that and on that path.