Well, as a full time student I had to cut back to part time work and as a result my credit card debt has soared over the last year and a half. I don't use my cards for anything frivolous other than a couple of books or dvd's a month, but it seems like when your hurting for money something always comes up. =( Anyway, is there a good way to go about consolidating my credit card debts under one low interest loan? Is this even a good idea? Anything? Any advice appreciated.