I consolidated my debt last month and refinanced my car loan after much debating (and an offer I couldn't refuse). What this meant was a reduced APR on the car loan by one percent, reduced credit card APR rate at 0% for a year (which will save me interest while I pay everything off these next few months), and an easier online website and phone app to navigate. Yay!
On another related note, I was able to meet my goal of reaching $10,000+ in my 401k account!
Next goal...$1500 in savings. This is harder than it sounds!!