Banks or companies for bad credit loans?

My credit isn't in the absolute gutter, but it's not good at all. I have several high-interest cards that I've been trying to pay off (stupidity of youth), but it's just not going anywhere. If I can get a loan to pay everything off and then make one, responsible monthly payment, I think I could improve my credit in no time. Keep in mind that I do not own a home or have a car in my name. Please do not tell me that I shouldn't get a loan or to pawn my mother's rings or anything of the like- the only thing I am interested in is where I can get a loan, not why I shouldn't or how I can use debt consolidation. Thanks

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