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Given that you may need to solve both your short term issue related to and the offers on this page may do so, here are some ideas for longer term issues. Clear your credit card balance and never incur one again. Buy with your credit card only what you can pay off at the end of the month. They have one of the highest legal interest rates around and it just isn't smart to use the credit card as a financing tool. There are so many better ones. Spend on essentials before you spend on 'goodies'. Once you know you have met your basic needs on a cash basis, you can then purchase the fun stuff so long as you don't go into debt. Don't forget to set up regular payments to a savings plan. Savings will help you through the occasional 'rainy day'. The two part plan of (a) disciplined spending and savings; and (b) lowered interest rates for current debt could result in your not being further burdened by equity home interest loan rate.

The United States government provides many useful sites that offer information on consumer finance issues including the 2006 Consumer Action Handbook. The surrounding descriptions which are finance related can add information to your search for equity home interest loan rate and/or credit and money sites.