I would like to chime in here and let you know that a LOT of times consolidation actually ends up costing you money

people assume that when they make one easy payment, it will somehow cut debt, but you have to understand that colidation is basically a company taking on all of your previous debt and giving you one monthly payment. This, for the company, is not without it's risks, so they often upcharge on the interest rate.
Not all debt consolidation is bad, however. I would suggest you check out Dave Ramsey on debt consolidation. Just google those terms and I'm sure you will probably find his website, and possible some youtube videos.
Good luck! But proceed with caution
