Consolidating credit card debt is a smart strategy for individuals struggling with multiple high-interest debts. By consolidating, you combine all your credit card balances into one manageable loan, often with a lower interest rate, which can significantly reduce your monthly payments. This approach not only simplifies the repayment process but also reduces the stress of managing multiple creditors. Whether you choose debt consolidation or another solution, the goal is to streamline your payments, minimize interest, and work toward becoming debt-free in a sustainable manner.