Should I jump to a 7/1 ARM to cover debt or should I look for a loan to cover the debt.?

I have a 30 yr fixed loan at 5.25 and am about 3 yrs. into it. I have about 75K in debt.(paid for a remodel) in an adjustable equity line that is going up. Should I look for a fixed loan to cover just the debt or possibly refi it all under a 7/1 ARM. My idea would be to take the savings I get in the 7 years and invest it. I have plenty of equity in my home. I am just torn about giving up my good rate on my 30 yr fixed. I have about 10 years left before I retire and am not sure I'll stay in my home after that..Thx to anyone that may have an answer