I read an article on a site not long ago that points out where consolidation can be way more expensive than actually being disciplined and paying down individual debts instead. It really opened my eyes and made me think about how I chose to tackle my debt. After the article, I chose to use the 'snowball' method instead - being disciplined and paying down one debt at a time.
The article was here:
http://www.mortgageloanhints.com/articles/consolidation1.html
