 this can definitely backfire on you. Your loan will be over a longer period of time and will also cost you more in the end. So that's definitely something you'd want to run through a calculator and make sure you understand exactly what you're doing before you try and do that. It sounds like an easy answer for right now, but if you are having financial problems right now, it may be the thing to do. If it keeps a roof over your head, if it's at that point, that's definitely something to look into.