Share your insights or perspective on the financial matter presented in the input.

What is the best source of funding to pay off debt?
Please take a look a Dave Ramsey's Baby Step plan.  It has all the details that you need to clean up your personal finance situation.   None of your options are good.   As some of the other answers mentioned, behavior modification is the key. Any idea will be worthless if you just wind up in debt again.  Many, many people, including me, have made the change using Dave's plan.  You can too. With regard to helping your son with tuition, are there better or cheaper options?  It does not make sense to put yourself in financial peril in order to cover college expenses.  I understand that is a tough decision but he is a man now and needs to be part of the real world solution.  Following the Baby Steps: The biggest factor is a belief that you can fix the mess. 30k is not really that much, with a good plan and focus, you can clean it up.  Good luck.