She'll need to know that most bill consolidation loans will want to use her home as collateral. That means that her home is guaranteeing the repayment of the loan. That's accomplished by spreading the repayment of the loan over a longer period of time. That's a very rough estimate, but does explain the available options. Trying to continue to find credit card 'teaser rates' is not likely to work.
Issuers can identify 'swappers' from their credit report.
It shows accounts that were open for a short time and then closed. When potential lenders access her credit file, they'll also find the late mortgage payment that Curly says will occur this month. Those two facts combined make her an undesirable risk for credit card companies. Given what's happening to her payment record, Curly could be facing even higher rates. If she misses her minimum payment, she'll trigger late charges.