mortgage woes

The goal is for me to cont. with school. We are getting an appraisal to see where we stand and will sell the expedition if necessary to come up with a down to refinance. We have enough money on a tight budget to cover the increased payment for the first 6 months, but when it goes up again in the next six months we won't. I need to get the house in chape for when the appaiser comes and am dreading that back breaking chore.