I have a mortgage of 180,000.I have a car loan of 10,000. Home loan of 10,000. I have credit cards amounting to about 2,000. Credit union loan of 7,000.We are one year into mortgage.house is worth 350,000.Car loan and home loan are over 4yrs.Two incomes coming in.managing to keep up all payments however not much left over.Have looked into consolidilating loans.Not sure what to do.If I wait a few years car loan and home will be paid off. Any other suggestions.