The thought of turning unsecured debt into secured debt (HELOC) is just a really bad idea in my opinion.
You say your income is not a problem so why not throw every extra penny you have at the CC debt?
I also can't image turning unsecured debt into non-dischargeable debt (Student loan). With the level of debt you have, if you ever had a catastrophic event where you lost income, and were forced to file BK, you would never be able to rid yourself of student loan debt.
K
