If your credit is good and you apply for and receive a new credit card, the gain will offset any point reduction on the Fico.

But once you have been identified and assessed the risks, all techniques to manage the risk fall into one or more of these four major categories: Avoidance (eliminate, withdraw from or not become involved)Reduction (optimize – mitigate)Sharing (transfer – outsource or insure)Retention (accept and budget)Ideal use of these strategies may not be possible.

The subject to option might be slightly more appealing, but again the payment of roughly 1300/month probably won't look too appealing.If you can't sell in the 165K range, you might try doing a loan modification where you put in a cash and get a greater principal reduction.  

The very first sentence in the wikipedia link that you gave refers to the CIS as an organization that advocates immigration reduction.

In each instance the heat pump has displaced either electric resistance heat (baseboard or forced air) or natural gas fired forced air and in each instance there has been a significant reduction in annual heating and cooling costs.  

Without significant repeal of the Obama tax and regulatory policies and changes in the entitlement programs and overall reduction in government expenditures, the current spending proposals and impact of the trillions needed for ObamaCare, Social Security, and Medicare and interest payments will result in the debt-to-GDP ratio exceeding 100% by 2019.

A 401k is a reduction against your earned income, so it's tailored more toward Self Employment income.  

Do a stress test to see how much of a reduction in benefits you can absorb.I have heard of special lending programs and maybe even some tax benefits, but would need to research more to validate them.

Update: After asking for a price reduction they told us $95.

With limited information on post it's hard to comment .Being new bee think twice before you choose your poison pill.