OK, Here's my problem. I have a significant amount of credit card debt incurred during my final year of college and first year out of school (The industry I'm in doesn't pay well when you start out-garbage collectors make more. . .nothing against garbage collectors).

I'm now financially in a position to really start taking a chunk out of the debt. I'm thinking of getting a debt consolidation loan to lower my interest rate and pay for things with one, instead of three, monthly payments. I don't own a home, so I'd like to get an unsecured loan. I know my interest will be higher than it would otherwise be, but I'm willing to accept that.

I haven't really noticed anything on the boards regarding this method. What are your thoughts? Additionally, are there any specific institutions that all you Fools would recommend?