So, I've heard mixed reviews about Credit consolidation companies. I currently have a car loan along with student loans. My problem is the 13k in credit cards I have. One is 5k, the other is 4k, the other 2 are 2k a piece. My question is: Is it worth it to go to a consolidation place since the payments are killing me? Since they can talk the companies down and appear to be able to save me thousands, or do I just keep paying the minimum for the next 10-15 years, I know the best thing to do is just pay as much as I can as often as I can, but that's not possible and they just keep adding up due to past late fees. Thanks in advance!