Consolidate or pay faster?

Debts today: Card A $6,500.00 at 24.99% (minimum $195.00); Card B $3,200.00 at 19.99% (minimum $96.00); Personal loan $8,000.00 at 14% (minimum $272.00). Total owed $17,700.00; minimums $563.00 a month.

Each month, every debt: interest = balance × rate ÷ 12, then the minimum is paid, then any extra goes to the highest rate first debt. When a debt reaches zero its minimum joins the extra.

Pay minimums only: debt-free in 45 months, interest $7,544.53, total paid $25,244.53. Order: Personal loan month 37, Card A month 45, Card B month 45.
Pay $200.00 extra: first-month payment $763.00; debt-free in 29 months, interest $4,304.22, total paid $22,004.22. Order: Card A month 21, Card B month 25, Personal loan month 29.

Consolidate: amount financed = ($17,700.00 + $0.00) ÷ (1 − 3%) = $18,247.42, fee $547.42 deducted; payment at 11.5% over 48 months = $476.06; total paid 476.0571 × 48 = $22,850.74; interest $4,603.32; interest and fees = $22,850.74 − $17,700.00 = $5,150.74; estimated APR 13.14%.
Consolidate and keep paying $763.00: same $18,247.42 at 11.5%, cleared in 28 months; total paid $20,825.26; interest and fees $3,125.26.

Minimums are held at today's amount. Card minimums that shrink with the balance make the minimum-only path slower and costlier than shown.

1. Each card: what is my current purchase APR, and how is the minimum payment calculated as the balance falls? I used 24.99% and $195.00 for Card A, 19.99% and $96.00 for Card B, 14% and $272.00 for Personal loan.
2. Each lender: is there any penalty for paying extra, and does an extra payment go straight to principal?
3. Consolidation lender: is the fee taken out of the money I receive or added to my balance? I assumed it is deducted, which makes the amount financed $18,247.42.
4. Consolidation lender: what APR is on the Truth in Lending disclosure, and does it include every fee? I estimate about 13.14%.
5. Consolidation lender: will you pay the cards directly, is there a prepayment penalty, and do you require the cards to be closed?
6. Consolidation lender: can I pay $763.00 a month instead of $476.06 with the extra applied to principal?

• Minimum payments are held at today's amount. Real card minimums usually shrink as the balance falls, which makes paying minimums only slower and more expensive than shown here.
• Interest is charged monthly on each balance, every payment is on time, and there are no new charges unless you enter a monthly amount under the consolidation offer.
• The consolidation loan pays off every debt listed and nothing else. Fees are as you entered them.
• Estimated APR comes from a regular-period cash-flow calculation on the terms you entered. The lender's disclosure is the authoritative figure.
• These are your numbers and an offer you typed in. We do not know whether any lender would approve you, and this is arithmetic, not credit repair or negotiation.