I have a lot of equity in my home but not enough income to really access all of it. I make $24.92/HR working 40 hours a week but normally do 41.25 as my boss likes me to be in early. I also do not typically eat dinner or eat on the weekends as I just drink. I do have about 16k In student loan debt no idea what the payment is, haven't looked in years. Here are all my details|| || |Income Monthly|2900 ish|Take home after taxes, insurance, 401K||| |||||| |Debt|Balance|Interest Rate|Monthly Minimum|Additional Detail| |Chase MTG|77850.37|2.99|749.38|Escrow Shortage Currently.