I am not a USAA Advisor, nor a USAA Employee. I am just a Member like you.
That said, the subject of Debt Consolidation is too complex to give you a simple answer. This forum has Moderators whom are Financial Advisors whom may be better able to answer some your questions.
A key bit of advice that I can give you is that you should not start any Debt Consolitation Progam without talking to a financial advisor first.
Also the only real help I have for you are the following LINKS which should answer some of your questions.
1. USAA - Financial Advice Blog (maybe you could post your question there)
4. Credit Karma - Understanding Your Debt to Income Ratio **(External Link)
I hope I have helped you.
I am going through a divorce and I need to pay off my debts. I have little money to work on and wanted to know if I will lose my USAA privleges (Banking, auto insurance) if I ask to have a large debt settlment on my credit card balance.