My husband and I have credit card debt, we've been working on paying it off but its not moving at all. We refinanced our home last year for lower rate, we're thinking maybe refinancing again with cash out which means we would need an appraisal and hope we have enough equity. Also thought of consolidation loan. If we consolidate, does that hurt our credit? We just want to find a way to pay it off and keep it off, our credit is not good enough to get a personal loan to pay off. Any advice will be greatly appreciated.