I have racked up some debt ($25,000) and need to pay it off. Which option makes more sense?
My friend,
Here is one option to consider and is more or less a combination of a refi & home equity loan.
Using this option you will get the best of both worlds and at the same time allow you to beat the bank at its own game!
Take a quick look at the educational video by clicking on the following link and learn more about this amazing concept by clicking on the LEARN MORE button, once you get to the site.
Believe me, it is well worth the investigation. 
mortgageblowout.wexlsolutions.com
mortgageblowout.wexlsolutions.com
If you have the equity, refi to a 15-year loan.
NewJerseyGuy has a good answer. also, a home equity line of credit wouldn't be as bad as refinancing into a new 30 year loan. the 15 year loan would obviously be the best though. Current rates for a 15 year loan are about 5.05%.
Clara, Herbey, and Charles are here to get your business for themselves. You're being spammed/scammed by them.
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