i would refi the house to a 5.5% or lower total rate
i would pay the cc's which are over the credit limit b.c. the cc companies are going to raise your rates (you are over credit limit)
use your 15 K to pay off debt (personally I would pay cc rather than car) and then refi your house so you only have one pmt that is fixed
you will need to increase your income or take in a roommate. google frugal living and start studying !
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