This is one of those situations where the math answer may be different from the feelings answer. Here's what you do, then I'll tell you why.
Make an Excel spreadsheet to determine the WACC of your debt. https://lmgtfy.com/?q=wacc.
If the consolidation loan rate, accounting for any fees on the new loan and early payment or account closing fees on the old loan, is higher than the WACC, then it's a bad idea.
Mathematically.
If you honestly know you would behave better financially by consolidating, and you're not just kidding yourself like almost everybody else in sight, then go ahead and do it.
It could be the right answer for you.
I'm not saying that it is.
I have other things you might want to also do if you're agreeable so far.
The end. :)
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