what do you think i should do? which way would you go??

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just put your self in my shoes for a minute.than tell me what you would do an y im on disabity, so my income has change alot. i have my house paymet,van payment, credit card i get 873.00 a month for three, of us im single mom, no family, having a hell of time paying bills.my home is 500.00 a month. van 400.00. as you can see i cant pay both. thats wher my boyfriend helps. out. but its hard on him to. so im checking into REFINANCEING, OR TO CONSOLIDATION which way would you go thank you