[jmjj215]

I'd really like to see your budget. 1) You're really tired and could use a break, so getting out from under this is very important. 2) You're making $62k plus maybe 5k w/ extra jobs. You have debt of 15k plus a mortgage. Why not stop paying extra on the mortgage to put toward this debt? Also, I think you could cut your lifestyle a bit (of course, we haven't seen your budget yet) and pay off that 11k in a year. You're making 50% more than the avg household.

I just hate to see you do this refi - it's scary to me. What if some other emergency happens? All of a sudden your home is at risk.