Debt Consolidation Loan, Yes or No?

Thank you both for the good advice.

I am trying to stay away from home equity loan or refi, simply because I have been in my house for over 3 years now and may possibly think about moving in the next few years.
I thought about doing the savings thing, but I am scared to not have cash available if needed (I do have retirement and 401k, but wouldn't want to HAVE to use it if I didnt have to).

I am going to try to find a good balance transfer deal for the store cards.

Before you do anything, talk with a credit counselor with the National Foundation for Credit Counseling [nfcc.org] and get advice and guidance from them for free. They are legitimate and very good and what they do which is to give you guidance on your best plan to extinguish your debt. This is your best, next step.

Thank you both for the good advice.

I am trying to stay away from home equity loan or refi, simply because I have been in my house for over 3 years now and may possibly think about moving in the next few years.
I thought about doing the savings thing, but I am scared to not have cash available if needed (I do have retirement and 401k, but wouldn't want to HAVE to use it if I didnt have to).

I am going to try to find a good balance transfer deal for the store cards.

Before you do anything, talk with a credit counselor with the National Foundation for Credit Counseling [nfcc.org] and get advice and guidance from them for free. They are legitimate and very good and what they do which is to give you guidance on your best plan to extinguish your debt. This is your best, next step.

This.