We have about $20,000 in credit card debt, and for the last 6 months have had to resort to one of them to help w/ weekly expenses. All but one is maxed. Haven't been late on pmts, however, don't have enough to put any dents in the debts and now need to free up cash to maintain life, instead of charging. Our credit is low 600's, and needto know if I should consolidate debt or try for a "bad credit" personal loan. We are a one income family and hubby is secure in his job. I have a son who will be going to college in 2011, don't want to hurt chances of that when the time comes. Any advice?