<human>: Can you provide a brief rundown of the text in within 3 sentences?

Alright, so I did a quick search, I checked the wiki but couldn't find much on the topic on this subreddit. I'll admit, I don't know that well how debt consolidation works other than "we'll consolidate your debt".

Anyways, here's my situation:

1. I have a ton of credit card debt. About $18K worth that I amassed over the past 5-6 years
2. I have *other* debt but the interest is so low that I don't want to consolidate it. Most of it is in taxes.
3. I make good money but...let's just say I made decisions where I overextended and can't go back.

Now, I understand that debt consolidation comes out to be more expensive if I pay less than a certain amount/month; however, Idk how to find out what that number would be. If I can afford to pay $600/month toward my debt and my CC % is around 20%, what kind of a deal do I need to get from the debt consolidation company in order for it to be worth it? If anyone has any resources for a calculator or whatever, I'd appreciate it.

The other thing is that I own a house and while I haven't paid off too much on it (maybe $15K), it did go up in value by $20-30K. I considered taking out a home equity loan to kill off the worst of the debt (my biggest offender is a $10K credit card with 22%, I believe) or the entire of the debt. Again, I know next to nothing about equity loans but I *do* know that the percentage on that kind of a loan would be killer.
<bot>: got debt, wondering in what situation the debt consolidation would make sense and if home equity loans are a good idea in this situation.