I have two large credit cards at 12.95%. I can get a loan for the balance at 13.95%. Am I better to consolidate the debt of both cards or just pay off the cards as is.
Look at the interest rates.
You are paying 12.95% interest now. You would be paying 13.95% interest for the loan.
How could it make any sense whatsoever to take the loan?
Things that you can do:
Look for a loan for less than 12.95% interest. Find a new credit card that lets you transfer debt and is interest free for some time, looking very carefully at any fees and at the interest rate later. You can always edit your question here if you find something.
Best solution: Destroy your physical credit cards so you don't enter into more debt. Then pay off your debt as fast as you can. If there are things you want to buy with your credit card, don't buy them. Debt is BAD for you.