<prompt> Human: My sister has lived in her house for 17 years, and has 100,000 in equity in a hot market near Philadelphia. She refinanced a few years ago because she had a lot of credit card debt that she racked up when she was very young. Shes been trying to dig out for years, paying the mortgage and the loan and student loans. She has also been steadily moving up the corporate ladder. She and her husband now have a combined income of just under 350k.Now she says she has a 68,000 payment due to Wells Fargo in August that she cannot afford. She has tried to refinance, but her credit is terrible because of some collections on her credit report that are less than 15,000. She feels her only option is to sell the house and use the equity to pay off all of her bills, which she could easily do.I feel like there should be someone out there willing to loan her the money to refinance, considering her income level and her equity. What is your advice?Update: Thanks for all the ideas. Your responses got me thinking, so I asked: She says there is no gambling, cocaine or second family. Kids were in private school for a few years, and she was contributing to a failing business while her husband was making very little. He has a real job now, and her income has only recently been this high. Its just shy of 300k not 350k, my bad. She doesnt have enough 401k to get to the mark. Today she put in an application with a sub-prime mortgage company and I gave her the links below. Ill update when I hear something new.  <response>: I feel like there should be someone out there willing to loan her the moneyWhy? Shes proven many times over that shes horrible with money, with living within her means, and with paying back what she owes. 