Eric's Credit Community

I am looking to pay off my debt. I am a full time secretary for a school district. I get paid once a month. I am requesting a loan to consolidate my debts into one payment. I have had had some deliquncies in the past due to the fact that I was silly and never thought that late payments could hurt me. I have gotten myself back on track and want to have just one payment each month. I currently have no deliquncies. Here is what my monthly debt is
DTI is 15%
Take a look at my income/debtCurrent Monthly Budget: Income: $2400
$60/$460 Dentist(Oral Surgery)
$98/$1045 Wells Fargo Credit Card(Mastercard)
$45/$385 Target(Store Card)
$82/$822 Citi Card(Mastercard)
$40/$702 Nordstrom(Store Card)
Total Monthly Payment: $325
Living Expenses:
$550 Rent(live with my sister)
$45 Cell Phone     $120/Water/Electricity     $300 Car $180/Groceries
$300/Gas/Car insurance($70/month)     $90/Entertainment
Total Monthly Living Expenses: $1585

Total Monthly Expenditure $2400-$325-$1585=$490
I have enough to pay the loan each month.I just want to pay off my debt and have one payment.