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1. Bookmarks: 0 Using Your Home's Equity To Consolidate Debt - Home Equity Loans For Debt Consolidation Before you take out a second mortgage or a home equity loan to consolidate your debt. Consider these points before you refinance or take out a home equity loan to pay off debt:1. Are the credit cards you are refinancing low interest? - If they are, you might want to consider waiting and paying off the credit card debt separately. Mortgage debt is stretched out over many more years than some credit card payments would be. You could end up paying more over time for your cre...

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