Refinancing to pay off debit

[Administrator]

I need to know what would work for me with refinancing. I have a current mortgage with a decent interest rate of 5.83%, I also have a home equity loan with and interest rate of 8.11% for 38,000.00. and I have about 20,000 in credit card debit. my current mrtg is 130,000.00. What would be beneficial for me to do. Refinance and pay off the credit card debit..or pay off the home equity loan put everything into one monthly payment??

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(Source: mortgagefit.com)