Searching for most effective debt consolidation method!

[valkyrie]

So in total (not including my mortgage) I have around $14k in debt between credit cards and personal loans.
While I know it’s not the absolute worst scenario, or the best, I’m looking for ways to help ease everything.
I’ve closed my accounts to prevent myself from spending on them. In the past, I’ve made progress and then pissed it away in one depressive episode. So I forced my own hand.
I’m working on getting my credit up (finally over 600 thank god) so I’m trying to see what options I have as far as consolidation for better payments, lower interest, anything.
Any tips are appreciated! Just trying to recover from from my late teens-early 20’s.

[artorias]

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[Sqware]

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