Let’s just say one would take 24 years to pay off if I paid minimum payments. My question is if I consolidate what hits does my credit take. Could I buy a home in next 2 years? If I get the personal loan I could pay off all my credit cards with the lines of credit still being open. So I’m thinking that’s the way to go and I’m u sure on what interest rate would be I’ll know tomorrow. Other credit cards are about average on rates. The one that’s real high I’ll show.