Hello, I"ve incurred debt over the last 3 years. I haven't been in the best financial situation because of putting myself through school and all that goes along with that. In any case...i'd like to clear up my credit record as soon as possible. To my calculations in total back debt I owe 15,900. This include last semester tuition, car payoff due to repossesion, credit cards, and utility (electric & Gas). The two most important and expensive debts i have are the tuition and the car payoff, both at about 6000 each.

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Will consolidating debt ruin my credit or look bad on my credit report?