Level 3
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Debt management

I currently owe about 73,000 on mortgage but have about 40,000 in cc debt, unsecured loans through my credit union and a few medical bills.   Our house is valued at 230,000.   Should I refi and pay off all debt?  My interest rate would probably go up from the rate it is now which is 3.87% and we have about 11 years left on mortgage.  Thanks