<prompt> Human: Thank you all very much for your advice. Any advice would be appreciated.Age 33, make 117Kyear, 1375 rent in expensive city, 300 car lease, 700month grad school loans.14K in debt -- mostly credit card debt multiple cards, and some medical and tax debt.625 credit score. ...No savings gulp.Under the obviously big assumption that I control my spending in the future, what could be the downside of a debt consolidation loan? I find it difficult to keep track of payments on my debt.EDIT: Also, single; no kids.  <response>: Hey, with that amount of income, I would strongly suggest looking over your spending habits. Something is not right.14k should be very easy to pay off on your situation. You dont need a consolidation loan. Just pay off the credit. 