You can lower your interest rate in most cases and plan to pay off your debt by refinancing or taking out a home equity line of credit.
Dealing with debt can be very stressful, but if you have a plan and stick to it, you can get rid of it in no time.
These are great options if you own a home and have a mortgage that is in good standing. It will pay your debt off your lines of credit, but it adds them to your mortgage or home equity line.
Another option is to do a balance transfer or not consolidate and use your current interest rate, do the math, and figure out how much it will take to pay off your debt in a specific amount of time.