I'm trying to consolidate and get some lower monthly payment

Consolidation will be the right move for you now. You will be able to stop further fees from accruing towards your account. The monthly payments will also be set according to your present financial position and after calculating your income and expenses for the month. This program will allow some saving that can be used towards other necessary bills and utilities. Take a free quote from a debt counselor. He will guide you with your next moves and how to become debt free.