What would you advise if the borrower also has a large amount of credit card debt outstanding at a rate of 15 percent?

A homeowner is attempting to decide between a 15 year mortgage loan at 5.5 percent and a 30 year loan at 5.9 percent.  What would you advise? What would you advise if the borrower also has a large amount of credit card debt outstanding at a rate of 15 percent?