Should I take a loan?

Hello everyone, keep in mind, I am dumb and understand I messed up.

I currently have like 25k in debt spread across 7 card. 3 are at 0 apr so Not too worried about those. The others are sitting at 19, 29, 19, and 25 percent APR, with balances of 9k, 2k, 5k, and 1.5k respecitvely.

I am thinking of consolidating into 1 like 15k loan at 12% with a monthly payment of 800. Which is doable for me to get these down and easier to handle. I can handle them now but I feel like the loan will help me focus better and lower my overall interest being paid.

I don't want to reveal my income or other expenses. I am just looking for opinions on getting the loan. Or fi even applying for it is a waste of time?

Any thoughts? Thanks