Questions about consolidation

On face, yes it could affect your mom's credit, however, going into default/deliquency would also hurt both of your credit scores since both of you are associated (have both names) on the accounts. What does your mom say? We all have made mistakes and there are hundreds of reasons we use credit...now the goal is to get you back on track.
Question: have you used the free consultation service here, call the 1800 free number and a professional will contact you.
I know that you don't want your mom to know about the activity on your accounts, but you really should let her know as she will be affected as well. I'm guessing that she'll be supportive, yeah maybe a little mad, parents can get mad, but that's ok...it's vital that the two of you talk about this and come to a consensus. in the mean time seek professional debt counseling, if you haven't used this site please do so and keep in touch. good luck to you

I can't add anything to that but Debtstinker is absolutely right! She might yell but she will yell alot more if you don't be up front with her and she finds out. Which she eventually will. You are going to have to bite the bullet on this. It will save you a lot of pain down the road. You are obviously very young and the best thing to have on your side besides the Almighty is youth.