Will using a personal loan to consolidate cc debt negatively impact my credit score?

I find myself in a bit of a pickle. My credit cards have high balances. Both cards combined total ,000 (17,000 on one at 19% interest and ,000 on another at 18% interest). While I try to pay more than the minimum due each month, I find myself unable to pay them down…..life has been getting in the way. I’ve contacted the cards and they refuse to lower my interest rate. I have thought to apply for a personal loan to consolidate this debt (hoping for a much lower interest rate than the cards offer) but I’m not sure if this is the best solution. I would like to be free of this debt within 3 years. However, I’m nervous to do anything that might negatively impact my credit score. My score is already lower than it should be b/c of the high credit card debt. I have established credit and have a history of paying bills on time but my score fluctuates b/w 550-565 b/c the cards have reached their limits.
I need to revise my last statement b/c I saw an error. I am looking for a way to quickly eliminate credit card debt. I have two cards that are maxed out (totaling ,000). This high debt is keeping my credit score at 650-665. My score should be higher b/c I have a history of paying my bills on time. I would like to eliminate my debt within 3 years so I can move forward and one day purchase a home. The cards will not lower my interest rates which are at 18-19%. I try to pay more than the minimum as often as possible but I feel like I am getting nowhere. Also, it’s impossible to put any money into a savings account and paying extra on the cards. Will a personal loan help with my problem or is it a bad idea? I’m reorganizing my finances so that I can be debt free and ready to purchase a home within 3 years.