I have been living on credit cards for a while, transfering balances, getting new credit cards, increasing limits. I believe I am around 20,000 in credit card debt, and am having issues remembering to pay the 5 minimum payments per month. All I want is to consolidate all of them into one monthly payment, but don't know the best option for that. I currently have a car loan for 28,000, a mortgage for 200,000 and student loans of 12,000. I am ok with those three, but need to get all the credit cards onto one loan, mabye a personal loan from a bank.