or enter a Debt Management Program when having trouble?

I'd say the two key questions to answer are:1) Will the refi lower your payments to the point that you can afford to make them?2) Can you benefit tax-wise from the deductible interest?I would say that if you can answer "yes" to both, it might be the way to go.Since a higher interest rate means more interest that you can potentially deduct from your income taxes, it would mean a lower tax bill or higher refund for you. If you already itemize deductions (and any homeowner with a mortgage who doesn't would be rare), this is a no-brainer.

The most important way to get out of debt is to make your income exceed your expenses. If you have gotten a hold on your expenses you have a chance of getting out of debt.Be very careful when choosing a debt management because there are a lot of scammers out there. But a legitamite Debt Management program should be able to help you.