Should I consolidate?

Currently have about $20K in CC debt. Payments are getting out of hand with my husband bringing less home.

It looks like I can get a 60 month loan at 17% interest instead of the 30% I am currently at. It would take the payments down monthly from $644 to $468.

My monthly take home after insurance/taxes is $2314

My husband will hopefully be getting more hours soon but currently about $1500 monthly.

Other bills:

Rent: $750

Utilities: cold months $250

Car: $550

Car Insurance: $170

IRS: $78

- issue has been fixed, do not owe this year

Phone: $100

Groceries: $600 ish

Internet: $67

Student loans: $129

- I should be on my last student loan payment this month, I should be at 120 for PSLF