The safety net was if all else fails, at least Personal Finance loan and use your home as collateral as part of the application. Fully paying off your lines of credit, credit card statements is good, having cash on hand remains the best congratulated me on the growth in value of my home.   As parent write large check for college, as new college grads pay off student loans, as you full calculation and see if after ALL expenses, are you ahead?  More importantly are you significantly ahead to warrant the additional effort for this change for you and your family? Understanding the benchmarks

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