The amount of interest you have to pay should be the first thing to consider when you need to take a loan, no matter what purpose it may be for. Another thing to consider is the guarantee you are providing your creditor with.
One of the smartest moves in your recent times can be the adoption of debt consolidation. But you have to drop your old habits of overspending. Else you might land up in the same trap from where you recently tried to get out by opting for a consolidated single loan that integrates other outstanding debts.
Debt consolidation loans often bear a higher interest rate than your existing loans. This is because lenders are skeptical about your credit performance and they are they want to cover their risk by offering debt solutions at a very high interest rate.