I've accumulated about $18k in credit card debt over the last couple of years across three different cards. The interest rates are absolutely killing me (one is at 28% APR). I keep seeing ads for debt consolidation loans, but it honestly feels too good to be true. Does taking out another loan to pay these off actually work, or are there hidden traps I should watch out for? I don't want to mess up my credit score any more than I already have.