<prompt> Human: Quick background:My mother passed away several years ago and left me a house worth approximately 165,000. It wasnt paid off but since she passed Ive driven down the principle on the mortgage to 21,900. Without going into too much detail I went to graduate school and afterwards while trying to find a job I racked up 18,000 in credit card debt which is largely at 10. It took a while but I found a job, that doesnt pay nearly enough but I had to take it to avoid going further into debt. Currently, Im grossing 3350 a month and my mortgage with taxes and insurance is 890. My credit card minimum payments are around 350 and my student loans are 350. After I pay all my bills I have nothing extra. I mean nothing and life is simply miserable. Im looking for another job but as Im sure a lot of you are aware finding a good job isnt easy. Ive contacted the banks and private mortgage lenders and Im being told that for one reason or another, primarily my length on the job six months that Im ineligible for a loan. I understand their logic but feel that someone has to be willing to loan me money to consolidate my debt and existing mortgage together for 40000. I feel like Ive exhausted my options being denied nearly financing from every source I can imagine. Ill be eligible to refinance in six months and that will solve most if not all of my problems but between now and then Im in a pickle. If I have any unexpected expenses it could be catastrophic. I feel like Im one problem away from losing my home. I dont want to sell but I may have to. I would really appreciate some help fleshing out some different option if they even exist. Help me rpersonalfinance, youre my only hope.  <response>: Do you mind going into why you dont want to sell it, is it some notion that itd be better financially or a more emotional response?. I think the question you need to ask, is this the right house for where youre currently at in life? An inheritence should be left to benefit whoever youre leaving things behind for, not make their life more miserable.As a thought experiment, if you had inherited a gas-guzzling, high maintenence, high insurance car would you try using it as your daily driver, or sell it and buy something that actually fits your needs assuming this was your one and only car? 