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If you're buried under $50,000 or more in credit card debt, you're likely feeling some serious financial strain. For starters, on that high of a balance will barely make a dent and are relentless. Plus, juggling multiple balances each month can be downright overwhelming. And now, with credit card APRs hovering near record highs — — it's easy to see how your credit card balances can balloon even faster than you can pay them down.

You aren't the only one facing this type of issue, either. The nationwide recently surged to $1.18 trillion, according to data from the Federal Reserve Bank of New York. And while compared to recent highs, the costs of everyday goods are still high, forcing more people to lean on plastic to cover basic expenses. For those dealing with credit card balances of five figures or more, can offer a much-needed reset by simplifying the repayment process and lowering your interest costs. 

But here's the tricky part: When you owe this much, the wrong move could do more harm than good, especially when it comes to your credit. So if you're thinking about consolidating $50,000 (or more) in credit card debt, it helps to understand the ways you can do it without wrecking .

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Depending on your credit profile and financial situation, the following options can help you get out from under that mountain of debt without damaging your credit health:

A personal loan is one of the most straightforward ways to , especially if you have strong credit and a solid income. These unsecured loans let you pay off all your cards at once and replace them with a single fixed monthly payment.

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If you own a home and have , you may be able to borrow against it to pay off your credit cards. and (HELOCs) often come with significantly lower interest rates than credit cards or unsecured loans because they're secured by your property.

For those with less-than-perfect credit or limited borrowing options, can be a helpful lifeline. These agencies offer that bundle your unsecured debts into one monthly payment and often come with reduced interest rates negotiated on your behalf.

Consolidating $50,000 or more in credit card debt is a serious move, but if done wisely, it can help you break free from financial stress without wrecking your credit. To do that, though, you'll need to choose a strategy that fits your credit profile, income and long-term goals. But whether you qualify for a personal loan, can leverage your home equity or need help from a credit counseling agency, there are paths forward. So, take the time to explore your options, and don't be afraid to ask questions. The right move today can lead to financial freedom tomorrow.