I have around $20k in debt spread over 5-6 credit cards. Is it better to pay them off one at a time, slowly, or take a credit consolidation loan, pay them all off, and have one payment a month?

I wonder if you can do a payment for the most heavy bills first, then water down the sums in a “waterfall” method. That should help you get the money out proper without feeling too limited by monthly salary.

Better to pay them all off one shot. Interest rate is daylight robbery, don't delay further.