refinance!! rates are so low right now. you can geta conforming 30 yr for around 6%...1st call your lender-if its b of a or countrywide you are set as they are doing refis just by resturcturing the rate with low impact on you paper wise....if it isnt call the lender and tell them the situation and ask them...otherwise go to another bank....if none of that works, get a p/t job, roomate or cut back your spending...good luck and hang tough!
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