[Tree0164]

I wouldn't refinance the credit cards into to the mortgage too risky. You are simply moving your debt around.

1) Look at your budget. Anything that you can cut.
2) Get a second job. Ask your son to get a second or a third job to help pay this down. While I know you want to help, it really doesn't help him in the long run if Mom and Dad are giving hand outs.
3) Read Dave Ramsey-he is an inspiration. Go the library and reading Financial Peace and Total Money Makeover.
4) Follow the snowball method.
5) Contribute your 401k to your company match and take the extra and put that towards your credit card debt.

Good luck!