[terry1156]

First off, let me congratulate you on your decision and I hope we can all support you here. It's always risky to trade unsecured loans (credit cards) with secured loans, so I would try and pay down the credit cards on your own first and see how that goes. Once you've spent some time doing it and are sure that your plan is working, then taking out a loan for the rest may be in order, but form the habits first.

Step number one: pay off the JC Penny card even if that means only paying the minimum on the others.

How is your credit? Any late payments? Either way, call all your credit card companies and ask for a better rate 8worst they can say is "no") if you have a junk mail offer with a low rate, that can help convince them to lower the rate.

What is the Jeep loan % at? If it is less than the credit cards, don't even think about paying it off until the credit cards are all paid off.

be careful of cancelling all your cards - especially the one you've had the longest since that is a good part of your credit history. If there is no yearly payment involved and no "no use" fees, ask that you limit on it be reduced to a small amount and freeze it in a block of ice in your freezer so you can't use it - but you will keep your good credit history.