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So, in addition to considering the entities that herein offer some financial alternatives for , here are some ideas as to putting your financial house in order. 'Credit card debt is the worse'. Why? Because it carries one of the highest legal interest rates and if you pay the minimum balance due - it will take decades to pay off what you owe. Basics vs. Optional. Meeting you or your families basic needs should always come before getting the optional 'stuff' and once basics are met with cash payment, then the fun items can be considered but not with debt unless you have a guaranteed source of repayment. 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 home equity loan vs line of credit.

The United States government provides many useful sites that offer information on consumer finance issues including the 2006 Consumer Action Handbook. In the latest version, you'll find great facts as varied as prescription drug plans and credit reports. Seeking information on home equity loan vs line of credit led you to the further information available to you through these surrounding links.