Honestly, there isn't much you can do for her. You said that she doesn't have the discipline to save. Until that changes, all the refinancing tricks in the world won't matter. She needs to get a handle on her finances and take reponsibility for them before she does anything else. After she sets up a budget and gets a plan to get out of debt she can work at it, then after some time passes and she gets her head above water, then she can revisit the idea of moving. For now she should stay put and get a handle on things.
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"On this day, I see clearly." -Alterbridge
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