All about Finance and Insurance

We have recently incurred some really big medical expenses (over 50K) that we didn’t plan and had to put them on our credit cards. We have been and are still capable of making all of the monthly payments. However, some of these credit cards have 29% interest rates and I don’t see how we will ever get them paid off. We just bought a house and tried to refinance and the representative told us that while our credit history is excellent, but we are just too extended to get a traditional loan. We see debt consolidation adds all the time. I would like to hear from someone who has actually done it- how did it affect their credit report and score? Also, what did the credit card companies report once you consolidated? Did they report charge-offs or what?