Edit: cookderosa said it all so much better, so I'll simply add my agreement to her sentiments above and below, with a note that it also took fifteen/sixteen years for me AND my family to pay for a similar loan like what you're considering. This is a very long-term decision you're looking at to resolve a short-term problem (though I know it probably does not feel short-term right now). You can get through it, but please think very hard about taking on more debt when already struggling with finances.
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