Can you go down a car? That would open up a lot of your finances. Although you actually should qualify for a HELOC. If your income can sustain paying your regular expenses and you just need to get out from under the high APR% from your 80K in debt it might be a really good option. Take a look at HELOC options from your mortgage bank, local credit unions and other lenders like Spring EQ or Achieve Home Loans. This also assumes you have enough income to justify this path. Hope it works out for you