I am a full time college student that just needs to consolidate my debt. I got wrapped up in a few credit cards and would like to have $0 balances on those accounts.
First, do you know the outstanding balance of each account and which one you want to include in the plan?
You may call your creditors and set up a repayment plan. Most of them will be willing to work on your terms. If you can't get this done, take professional help. A counselor from your area is already referred for the free counseling.