<prompt> Human: After a recent divorce, move from overseas and the death of my mother Ive found myself in a lot of debt. I currently have 115k in debt. 65k is on the house, 18k on a car and the rest is credit cards and loans. Two cards are 28, two are 25, two are 15, three are 13-10, the car is 5 and mortgage is 3.9. The rest of them are 0. I make 6400.00 a month after taxes. My debt payout is 2474 a month, rent, utilities, insurance and stuff is 3187 a month that leaves me 739 a month for gas and food. I have a budget excel sheet that spells out APR, min payments and all that but Im new to reddit and have no idea how to attach it. I did an online budget and if I power pay things down then everything but the car and house will be paid off in May 2018 and the house and car will be paid off in Oct 2020. My question is should I take out a second mortgage to pay all of the credit card debt off at a lower rate and then pay back the second mortgage at a fast rate or just power pay stuff down?  <response>: Given those insane CC rates and where mortgage rates are these days, if you have enough equity in the house, Id definitely pull a second mortgage and get everything with a higher rate than the car knocked out with it, assuming fees are low enough to make sense. 