[Tree0164]

I wouldn't do the refinance. I think you would be digging yourselves into a bigger hole financially. Transfering unsecured debt to secure debt can only get you into trouble if you lose a job or have an emergency.

Post your budget.

What are your interest rates on your current credit cards?

I know you may want to pay off your parents first. I would focus on getting that paid off. No one wants to have a family loan. Mixing family and money is never a good combination.

You can not afford home improvements at this time unless they are really an emergency. Needing a new kitchen isn't an emgerency.