Loan consolidation is not for everyone, and can be really dangerous if you are not very careful. Some lenders charge an enormous up-front fees that they do not go out of their way to tell you about. Some of these same lenders might even roll these up-front fees into the loan payments.
Do not consolidate your debt just for the sake of consolidating. Most borrowers think a loan consolidation means they will pay less, but that may not be the case. Consolidation just means that the monthly payments from your creditors will be consolidated just into one payment to one lender. Do not let the lender trick you into thinking that lower monthly payments mean less interest.