Validation rules check – Salesforce Stack Exchange

I need a help in creating validation rule, I need to throw validation message if a checkbox is checked and corresponding comment is not provided and there are around 10 different checkboxes.
AND(OR(cm_IsChange_check__c = True, ISBLANK(cm_IsChange_text__c)),
OR(cm_Income_check__c=True, ISBLANK(cm_Income_text__c)),
OR(cm_IsSubstitute_check__c = True, ISBLANK(cm_IsSubstitute_text__c)))
So I need to show the validation error message if IsChange checkbox is checked and user has not provided any comments then throw validation, and so on.