<prompt> Human: Quick run down. Remaining mortgage: 158,00 at 3.6House value: 228,000Payments: 423 bi-weeklyCredit line: 14,000 at 6.5Car loan: 12,400 at 4Wifes loan: 19,500 at 6.5Would it be a bad idea to roll all of the personal debt thats at a higher interest rate into the mortgage. Im able to make double up payments on every pay period and it goes directly against the principal of the mortgage meaning 11,000 a year extra, directly against mortgage Right now my car loan is 196 bi-weekly, Wifes loan is 149 weekly, and I usually put down 500 bi-weekly onto the credit line 1,000 if I get overtime at work plus its currently about 92 in monthly interest, which decreases as I pay it off. On average, we bring home about 3,200 bi-weekly with my wifes unemployment cheques from being on maternity leave will lose about 900 bi-weekly in January when she becomes stay at home mom. Suggestions please? Im not very savy with finances and Ive been trying to pay off the credit line as quick as possible but I feel like Im living pay cheque to pay cheque trying to do it. EDIT: I seem to have gotten confused about the home equity loan. What I wanted to do was move my personal debt onto my existing mortgage so that it was all in one place. Then I would have extra money to make double-up payments on my mortgage extra 423 bi-weekly vs roughly 750 that Im paying bi-weekly on loans. Then I would still have lots of room to save money and throw down a big lump sum on my mortgage when the term expires.  <response>: I wouldnt do it.You mention that you feel like you are living paycheck to paycheck to pay off this debt. Correct me if I am wrong, but the personal loans are probably unsecured? If you take out a HELOC, your payments are still going to make you feel like you are living paycheck to paycheck, but not only your credit will be on the line, your house will be too. Default on a personal loan and things are bad, default on a loan secured by your house and you could make your new family homeless. Youre doing a good job paying it off as-is; it was probably impatience to get the money that got you those personal loans, dont let impatience to pay off those loans make things worse. 