Credit card consolidation...what are my options?

I have a personal loan, plus 2 credit card payments. My husband also has 2 credit cards. I'm so sick of paying hundreds in credit card/loan payments each month without making any ground. What are our options in consolidating these payments? I talked to a credit counselor over the phone, and he said they could consolidate them, but they'd have to close all the accounts. Wouldn't this hurt my credit? Surprisingly, I have good credit right now. But what are my other options?