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Interest rates on home-equity loans are usually more favorable than those on credit-card debt, which is why they’re a good option. this is generally a bad use/idea,” Gumbinger said in an email.

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Why do people here and elsewhere seek short-term, high-interest loans, using a chunk of their next paycheck as collateral? Well, what would you do if you needed $200 RIGHT NOW? You could put it on.

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