Good question. Do you know what the mortgage payment is each month? Do you know what the credit card payments combined is each month?
To reduce costs right away, they should look into a very low interest rate credit card, and put the other two balances on it. BE SURE TO TELL THEM THAT IF THEY ARE EVEN A DAY LATE ON THE NEW CREDIT CARD, THE INTEREST RATE COULD SKYROCKET. I cannot impress this upon you enough.
