Unsecured credit card debt or unsecured loan?

If you were to keep your cards and pay *them* at a pace that finished them off in 24 months you would pay half as much total interest as you would at the loan's higher APR. So if you have the resources to take on that loan, all you need is the discipline to make consistent payments on the loans you already have. Pick a monthly payment you can stick with and divide that among the credit card bills without wavering, you'll finish in a predictable amount of time.