I owed over 20 thousand in debt. I have a personal loan for 16, 000. I've been paying 500 a month for three months and I still owe 15, 563.00 with a 19.9% finance rate. I have two credit cards for 1,500 together. I have a macy's store card. And I'm financing a dell computer for 1000. I have a student loan for 7000.00. what should I do. My credit score is 680 at the moment. I'm looking into buying a house in three years. If I consolidate now would it affect me then. I'm graduating college next year and should have a salary of 80,000. Please help me making this decision