Should I consolidate my credit cards??

I have a $15k Car Loan, $6600 credit card, and $1500 credit card debt. I'm 22, student and I work part-time so my income is only $8o0 a month! Have you ever heard of going to a credit union and getting a consolidation loan? Do you just get a loan from them? I don't want to go thru any businesses because I heard those mess up your credit score. I want something legit but I NEED TO GET OUT OF DEBT! HELP!