3 credit cards= $7075. Will using my unsecured $10K loan to pay them at once or over time raise my fico score?

My fico scores average 660. APR's on the cards are 14.24-22.24% and my secured loan has a 13.95% fixed APR. I took out the loan to cover $1800 for surgery expenses that my health insurance would not cover because of no available credit on any cards. When I was approved for the loan, I asked the loan officer to raise the it to $10,000 so I can use it to pay off credit cards by consolidating the debt. The loan's monthly payment is $235 for 5 years. My credit card's monthly payments are $320. Once the cards are paid off, I will save $85/month and only have one monthly payment to make. My main concern is: 1) Will paying the cards off all at one time hurt my fico score, if so, how should I pay them off over time? 2) Should I keep the cards open to show a low balance to credit limit ratio? 3) Or- should I close any of the cards and/or lower their credit limits? 4) Will having an unsecured $10,000 loan hurt my credit limit to balance ratio? 5) Will having the loan hurt or help my fico score?