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Using home equity to pay off debt may help you shed the burden of higher-interest student loan debt into a more manageable monthly payment, but it’s not enough to look solely at reducing your interest rate or monthly debt payments.
Others are using a home equity loan to pay off credit cards to get out of debt. A home equity line of credit, or HELOC, is a revolving line of credit that uses your home as collateral. By using your home as collateral, you can borrow funds at a much lower rate of interest than that charged by credit card companies.
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HELOCs have traditionally low interest rates for the credit worthy, so using a HELOC to pay off credit cards with interest rates like 15 or 20.
Take note of the interest rate of each debt; some student loans, for instance have a lower interest rate than home equity loans can offer, so you might opt not to use a home equity loan to pay off.
Is a home equity loan or line of credit right for you?. you need, any time you need it, by writing a check or using a credit card connected to the account.. to borrow more money to pay off this debt, or they may put your home in jeopardy if you.
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3. Pay off credit cards or other debts. HELOCs or a home equity loan can be used to consolidate debts to a lower interest rate. homeowners will often use home equity to pay off other personal debts such as a car loan or a credit card.
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Once you’ve been approved for your home equity loan you can use it to pay off all your debts. The most important thing you can do is to not accumulate even more debt because while you may not have any more credit card debt you essential now have two mortgages.
A reader asks if their ex-husband should use a reverse mortgage to pay off credit card debt.
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