What are my options for paying large credit card debt?

I have a great credit history and score, never late on payments and pay more than the minimum required, but do not know whether I. Refinace house, something to do with 401k, or a large loan I do not know the differnce between credit counseling and debt consolidation or other options that you have and do not even know, would love I can to not hurt my credit score … I’m not even considering bankruptcy, just want those stupid cards paid off!

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