Debt Consolidation Options

I am a 21-year-old college student and have accumulated about $7,000 in credit card debt. I have been reading a lot about debt consolidation and would like some advice on what would be the best option to take. I have read that a lot of people get into debt management plans, for example my sister is signed up with CareOne. If I am correct, the company negotiates lower interest rates for you and you pay them one monthly payment which they distribute to your creditors. There is als a fee each month that is paid to the company for their services. I have also read in my financial books as well as online about debt consolidation loans. You take out a loan and the monthly payment for the loan is lower than what you would pay for a debt management plan, but the payments are stretched out over a longer period and you are accumulating interest. I found one company that seems to offer the ability for me to take out a $7,000 to pay off my credit cards and I would pay $100 monthly for 5 years. At this point in time, the loan sounds like a better plan for me b/c I am still in undergrad and will be going on to get my masters as well. Having the lowest payments possible sounds like the best option for me at this point. When I get a job, I would want to pay more than the $100 a month. I figure with a debt management plan, paying the monthly fee in addition to my two other bills will come out to at least $100 more a month than if I just take out the loan. Could you all please give me advice on these two options? Which will look worse on my credit? Will taking out the loan and paying off my credit cards now and just paying to the loan company be better for my credit? Thanks