Damn, how do you guys let yourselves get so far in the hole? Dont you look at your statements and think "Oh sh!t I cant afford these things right now!"? Of course the student loans are understandable, I too will be sinking myself deep into one of those. But
Notfred what the hell did you buy to get $10k in debt?
What I recommend doing is calling around to all the consolidation places and local banks to see who will offer you the lowest LONG TERM interest rate on a transfer. Do not fall for the 6mos of 0% because it almost always springs back up to anywhere between 10-22%. And that is fuggen killer on $10k.
Good luck man
-Bob