NEVER do debt consolidation! Check out this site by Dave Ramsey about debt consolidation.
http://www.daveramsey.com/the_truth_..._3035.html.cfm
Also check out the rest of his site about how to get out of debt. Pick up his book Total Money Makeover (just don't use your credit card to buy it because he doesn't accept them). It uses 7 "baby steps" to get you out of debt and is VERY easy to understand. He has made it his mission in life to help people get out of debt and hundreds of thousands have done it. I'm a huge Dave Ramsey fan in case you can't tell