Help

I would like to know what to do. I own a home I have been in it for 24 years. I owe $ 223000 on the home and I took out 44000 to fix it up. The house is worth 317000$ I have a balloon payment if 70,000 due in 2061 when I'm sure I'll be dead unless Elon Musk comes up with a brain implant to extend life. Throughout the years I had to take out two modifications due to employment loss. Thats how I obtained a balloon payment with a bad company called Ocwen.I had alot of my equity loss in the process. I bought the house for 101.000$. Should I just sell the house or refinance and start over. I'm 55+ single, veteran ok with living finances. Very depressed about situation no help. Did not have help over the years with being mortgage savvy.