I've made some mistakes in my college years and racked up some credit card debt. Is it possible to take out a lower interest loan from a bank to pay off that debt so now you only have one loan at a lower interest rate?
I've ceased using credit cards over the past year and while I'm definitely more responsible with my money, living in South Jersey ain't cheap and it's a slow process to recover from past mistakes.
Sounds like you're on a good path. But most likely you wont be able to take out a loan with low enough interest to make it work. Pay the minimum amount each month for every account and use any extra money you have to start paying off the smallest of debts. Once you pay off the small things, use that money to pay off bigger accounts. Repeat until debt free.