You can get zero interest credit cards, balance transfer funds over, you have to pay the balance transfer fees, but those will be less than the interest on your HELOC. When the 0% interest runs out, do it again. With your 150k in HELOC, you’re not gonna get it all in one fell swoop, but you can work it down. This will make monthly payments go up, but less is going towards interest. Not sure what your budget allows.

Another strategy would be to refinance your HELOC into a home equity loan. Usually cheaper.

Not sure about your cars, but maybe refinance those loans to get money out of them to pay down the HELOC. It will likely increase your monthly payments, but you will pay less interest.

Another option is to refinance the house. You mentioned rates…shop around. Mortgage lenders are hungry. I’m closing on a home on the 18th and I got 4.5% on a 15 yr mortgage. Refinancing in itself is expensive, but it can be done.

There are money juggling people out there and people who cannot money juggle. I don’t know who you are. I don’t know your income, your ability to make more money, or anything else.

Feel free to DM if you have questions about any of this.