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Inhisfavor

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To reduce 27k debt should I get one loan vs paying out to different lenders at 0%
Instead of paying approx 900 out for 5 credit cards that have 0% interest should I transfer to cc at 3.9 and pay approx 400 a month for 6 years, paying additional monies each year

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How much longer @ 0%

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How long are the 0% cards good?  Do you really think it would be wise to deliberately pay additional monies in interest for a long time just to have a smaller payment?  And are you absolutely, positively certain you won't use those other credit cards while paying on this new one?

Frankly, the idea of having 5 credit cards is, to me, not the wisest thing in the world, especially with the amount of debt you are currently carrying.  The ideal plan is to keep one's credit card balances  paid in full every month.  In your case, I could not recommend getting another card.  

Work on getting these current cards paid in full as quickly as possible and form a habit of paying off all your charges as soon as the next statement comes in.  When you do that, you will show you are being responsible with money and your credit score will increase.  Please exercise common sense from now on.  You'll be glad you did.

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