Taking a line out of my mortgage

So I’m in a big financial rut and the moment and I have no idea what my options are. I can not afford my bills and I’m kind of panicking. I do own my house and I have owned it for 8 years now. My grandma had co signed onto my mortgage so that I would qualify for my place. If I were to take out a line of credit on my mortgage to pay my credit cards and overdraft off would that effect my grandma since she co signed? I’m also terrified of falling behind on my mortgage payments and ruining her credit score. I don’t know how to ask her to sign off as a co signed without her knowing I’m struggling financially. She’s always lectured me on saving money and not using credit cards and what not so I know that won’t go over well with her.

I should probably add that I didn’t make any poor choices, I have 2 children ages 8 and 6 months, Before I had my youngest I was paying $625 in daycare alone for my older child but I am now on maternity leave. The reason I am so far in debt is because all of my bills have increased drastically and I am still currently paying off legal fees from 5 years ago after an ordeal with my sons father. So basically life just happened and I am now struggling financially. I don’t buy myself things and I only buy what I can afford for groceries so nothing exciting or fancy etc.