If you're dealing with expensive debt, there are a few ways to consolidate what you owe without damaging your credit score. Getty Images

Credit card debt remains one of the most common financial stressors for Americans. According to recent data, the total credit card debt nationwide has surpassed $1.21 trillion , the latest record high, and the average cardholder carries nearly $8,000 in credit card debt currently. With credit card interest rates hovering around 22% on average , these types of balances can grow quickly if left unchecked, especially for those juggling multiple card balances, each with its own payment due date and interest rate.

The pressure that comes with carrying balances on multiple cards can spark a search for ways to consolidate debt , but what's tr

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