I am considering taking out a loan for 9,000 and using it to pay off all my bills (the ones that are not repeating month to month) I have the same problem a lot of other people have with being in debt but my debt is much smaller and it comes from many different sources. I am roughly 9,000 in debt. Here are my bills from largest to smallest.

Debt Bills that need to be paid off
Credit Card- $4995 (99/month)
Scooter- $1300 (100/month)
Credit card- $1000 (100/month)
Medical- $900 (100/month)
Retail card- $244 (10/month)

Monthly bills
Insurance- $50 (50/month)
Storage Unit- $50 (50/ month)
Apartment- $70 (70/ month)

As you can see, my monthly bills are the smallest and if I took out a loan to pay off my debt my monthly expenses would only be $170 which would give me a lot of breathing room to make the monthly payment on the loan. I no longer use ANY of the credit cards and I don’t intend to start again. Also, I am very good about making the schedule payment and have never been late. Taking out a loan seems like a good option in my situation. Am I right?