Should you consolidate?

Q.

I have two credit cards with $18,000 debt that I want to pay off as quickly as possible. Should I get a personal loan through a bank, credit union or other institution and what is the best deal out there?

If you go to http://www.cannex.com.au you will find all the credit cards rated. Think about moving your debts to the card with the cheapest interest and then paying it back at $900 a month if you can. This will get it paid off qickly with minmal interest.