I'm glad I came to look at your reply when I did! I had a guy on the phone trying to get me on a "program" to consolidate my credit card debt - essentially closing my accounts to lower my interest rates. That's not what I had in mind. Then I read your post about how closing the accounts can hurt my credit - which is what I told him (he denied it), and then I backed away. My plan works out better than what he offered, anyway... 
Thanks to all of your help, of course.
I believe my next step will be to pay above the minimums on each card (as always ) and put any extra cash I have towards that nasty Discover card to take that out of the mix. I've been averaging $50/each card + $75/MSUFCU each month.
I can't wait to see my credit score in the 700's again!