Should I Combine My Mortgage, HELOC and credit card debt into one refinance loan?

Should I Combine My Mortgage, HELOC and credit card debt into one refinance loan? I bought my house for $160k. I have $118k left on it at 4.8%. I stupidly took out a HELOC and used it previously, it's balance now is $26k at 9.5% ( I know awful, and I am struggling paying it down due to the interest) I have about 7k in credit card debt. My credit score is 740-750. I was offered a 6.5% consolidation loan. I currently pay $1200 ...

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