I think your plan is good however the complaint against loan consolidation is that having an empty LOC (or credit cards etc) can be very tempting and some people will start borrowing again and end up with more debt then pre-consolidation.
In your case I would want to know why you have so much debt and negligible assets given that you have $90k in income and no house? Unless there are extenuating circumstance (ie you just graduated school) then you should really look at putting a proper budget together and cut your spending. Once you are confident that you have a handle on your finances then you should do the consolidation.
In your case I would want to know why you have so much debt and negligible assets given that you have $90k in income and no house? Unless there are extenuating circumstance (ie you just graduated school) then you should really look at putting a proper budget together and cut your spending. Once you are confident that you have a handle on your finances then you should do the consolidation.