Question about achieve heloc

I recently tried to get a heloc for some home repairs and achieve was one of the lenders I spoke with who I was considering. I have had a hard time with it since I am on disability so my income is low and I have some debt with my car and about 6 k in credit cards I've been paying off due to a recent break up with a partner of thirteen years and being a mother of two (he hasn't been helping for months financially which caused the credit card debt to rack up).

I originally wanted 15k in a heloc to do the home repairs but they said they would need to consolidate my debt and would be willing to pay the car loan and credit card debt and then only give me four thousand cash in the heloc. It would be a ok interest rate compared to my current car rate and would be 240 a month which would save me at least two hundred a month in all my bills. I don't know if this is the best I can get or not, I think either way it's better than not doing it but would like to get more out of my house equity. The house is paid off and worth about 147k, forgot to mention. Thank you.