One thing a lot of people need to do in this situation (I don't know if you do or not) is to change their thought process, and attitudes. Stick with one car that is reliable, and get rid of the toys, or projects. Don't go out and eat all the time, get a 6 pack instead of going to the bar, etc...
I don't think I would refinance those loans either, it'* relatively cheap money, so don't make that your focus initially. Your biggest problem will be the credit card debt. It'* money that is working against you, so I always suggest to pay off as much as you can each month on the cards, as that will cut down on your interest fees.
Over the last few years refinancing has been very popular, but people are putting it towards their mortgages, which isn't the best way to use that money necessarily. A Mortgage is one of the cheapest ways anyone will ever borrow money, so it should be the last thing to worry about paying off, on an interest stand point.
#1 though, if you don't have the money, don't buy it, unless it'* a necessity. Necessities are food, rent, gas, etc.. Not a new camera because yours is 2 years old. If you can't pay it off within a month or two, you probably should wait. I got to a point where I don't carry a balance on my credit card, and now I have much more money then before. I still try to put atleast one item on it every month, this gives me a bill to pay off every month, which is the best way to add good credit to your rating.
'06 Vee Dub GTI 2 door Tornado Red
- 2.0 Turbocharged, Intercooled, Direct Injected, 6 Speed DSG, Underbody Aero, 17" Classix
- Moonroof, Bi-Xenon headlamps, Interlagos Plaid Sport Seats, 6 Disc In-dash, iPod integration, GTI Monster Mats (winter)
'93 Bonneville SE Purple Pearl H4U package - picked up June 23, 2003, Traded-in June 28, 2007...