@thebanjoman wrote:Any chances for a lesser solution that will help make the debt more manageable, such as a unsecured personal loan and/or lower interest balance transfers? It may not be ideal, but if it can better secure or accelerate the generally-going-down nature of your balances.
I'm guessing it's too early to revisit the idea of a full refinance cash out to achieve the same goal.
I also have to ask if theres any viable options to help improve the income side further. I know you're already working two jobs, but is there a chance of a raise at any employer or a change of employment for better pay or benefits? Even short-term cash boost like selling old or unwanted/unneeded items? Lower paying options to help improve income might be online surveys and/or secret shopping, but they may not make much of a dent.
Lesser solution pending... I'll update that in a few days. No, I can't qualify for unsecured personal loan or any "good" balance transfer credit cards right now due to high utilization.
You guessed correctly, it'll be another year or two before we can do a full refi.
Sizeable raise supposed to arrive in March, but I've heard that before and am not sure that I believe it. May be changing employers this year.
Thanks for your input tho. 
No, I didn't forget to update this thread, my "workaround" is taking forever.
Just hit second roadblock... got around the first one, and now was told to wait two weeks while "under review".
Oh well.
I wasn't planning to sleep much over the next two weeks anyway. 
Sleep is over rated anyway You got this...it just may take a two or three steps instead of one.
