You need to have a valid reason for consolidating your debt. That reason can only be to establish a lower APR. (annual percentage rate) Getting a loan of $50K at an interest rate of 7% for 15 years fixed interest would mean your monthly payment would be $449.41.
Add up the payments for the loans you are wanting to consolidate. Is the total more or less than the $450 a month total? Check what the APR is for each of the loans. If any are credit cards, the APR is obscene, no doubt, 21-24%. So it would make sense to consolidate so that you can get a lower APR.
If you have a really crummy credit report, a bank will not easily grant you a loan. If they do, they will up the interest rate to 9% or more. But compared to 21%, that's still better.
Do not go to a financial aid company. They will charge high interest. If your bank won't give you a loan, try other banks or credit unions. The key is to find a company who will give you the best interest rate on your loan. Good Luck. If you have questions, let me know.