One great way to consolidate your debt is to get a home equity loan that is enough to cover the entire amount of all of your credit card debt. Sure, you will have to pay a payment every month, but chances are you will have to pay a lower payment than you are paying with your credit cards or other debt payments. The other benefit is that you will only have one single payment to worry about and your credit cards will be paid off. This is a great way to ensure the maintenance of your good credit score and will be an easier bill to pay each month.