stumbled across your post -- what did you decide?
I've never used debt consolidation. Were you thinking of using a third party to collect the payment from you and distribute it to your creditors?And assist you in negotiating a smaller monthly payment?
or were you thinking of refinancing - that of paying off all the individual loans by taking out a larger loan? Which could be helpful if your new interest rate was less than the previous loans.
Here is a great Q&A from one of our Certified Financial Planners helping another member choose debt consolidation or not, I thought this may be helpful to you: