Best Option

Dave Ramsey's total money makeover kit will help you learn better money management skills. I have heard a ton of good thinks about it helping people correct their spending bad habits.

I wouldn't put the student loans on a credit card because the student loan will probably keep the lower rate of interest. If you happen to miss payments etc. on the Discover credit card you probablly wouldn't keep that low interest rate.

Do you beleve tjat debt consolidation would really help you? Yes you would have one payment, that would maybe be lower than right now. But, with your debts consolidated are you going to be able to be strong enough to not use the other (now zero balance credit cards)? If you have a real issue with spending money you don't have, then it would probably be too big of a temptation.

Do you possibly need some type of counseling for your spending issues? Is your spending a cover-up for something else? How do you feel when you overspend? Do you have a feeling of elation? Guilt? I am not trying to be nosy, but these are questions a trained counselor/therapist would start off with.

If I were you, I would think about things, do some research and even look into some type of class on money management. Don't let the problem get ahold of you. Good luck.