<prompt> Human: Over the past 5 years my wife and I, mostly my wife, have racked up 35,000 in credit card debt. Weve had some car issues as well as just discipline problems. My wife was unemployed for four years but last year got a very good job that pays 40,000 annually. Our combined income is 96,000. But we have our third child on the way now and the c.c monthly payments, daycare, after care, and the mortgage was is forcing us to supplement other bills using credit cards.Our house is worth 200,000 and the remaining balance of our mortgage is 130,000. Im wondering if a home equity loan would be a good option to eliminate our credit card debt.With the income that we make now we wouldnt need to use the credit cards to supplement anything but right now Im paying almost 900 in minimum payments.Edit: Forgot to mention the biggest part of the debt was a major Home repair. The county I live in did some construction that removed some storm drains and basically opened up an underground river that flooded my crawl space horribly. Thats cost 13k. And the main been was corroded due to this old house that was a few grand too. House is in great shape now though but I couldnt get reimbursed from the county. Ive also considered just selling the house and rent. Id clear enough to get out of debt and still have some money in the pocket.  <response>: monthly payments on top of the mortgage is forcing us to supplement other bills using credit cards.So, you dont have a budget and spend more than you make. Sounds like you need to downgrade your lifestyle. Maybe that means you cant afford this house.35k in credit cards is an emergency. 