Louella, I forgot to mention seeing if a bank will do a
~ debt consolidation ~
and roll all debts into your mortgage payments... The bank/mortgage institution will charge you a better percentage/smaller amount of interest. Sometimes, as a result, you get quite a chunk of money back.

We’ve done this a few times and put the resulting windfall into paying back our debts. Just make sure it’s past the period of limitation/contract otherwise you can get penalized if you do this action beforehand.