hey timetosave,
First and foremost is never ever miss a payment just to pay extra on another debt!!!!!!!!!!!!!!
Being late far outweighs any benefit to making extra payments anywhere else.
Debt consolodation loans in any form only change the payments and not the debt while actually increasing the total amount paid over the life of the loans due to the extra interest. So another single loan concept will only benefit you by getting you a single payment and will only save you some money on stamps and envelopes!
I can hardly wait for your list of debts and the wave of suggestions that are sure to follow.
You are in good hands with some of the helpers around here!
