You have reviewed all the options, you have taken an accurate assessment of your finances and concluded that debt consolidation is for you. Now you have to find a reputable company to get the loan from. Do you know the fees? Do you know how long it will take? Before you do that consider the following.
401K – if after the stock market drop you still have some money left in your 401k considering taking a loan against it to consolidate your debts. In most cases the repayment of principal and interest is made to yourself. You may pay a small administrative cost to the 401k holder, but this is far less than a debt company.
Insurance policy – if you have an insurance policy that has cash value consider using it. You must check with your insurance agent about the borrowing policy they have. Usually the fees if any are quite low and if you can not make the repayments here and there it's OK, it's your money to use. Just make sure you know all the repercussions in case you have problems repaying.
Sometimes people forget these are options for consolidating other debt and the costs are much, much lower. You might even have other sources to borrow or cash in on that you have not thought of. Throw them in the pot and if it makes sense then do it. If the economy loosen up in a few years you might see bonuses again which can repay the debt.
In these two cases mentioned above the majority of interest goes back into your account, so it's like paying yourself. The less you give away the more places in your pockets.
Look for more ways to handle debt.