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Don’t use your IRA to pay debts unless you are 100% confident the money will be replaced within two months, say, with a tax refund.
Otherwise, you’ll be hit with a penalty and taxes on the funds.
If you’ve built up some equity and interest rates seem favorable, it may make sense to refinance your home and use the additional cash you can borrow to pay off more expensive debts.
Or you might be better off taking out a home equity line of credit (HELOC) or a fixed-rate home equity loan.
If an offer sounds too good to be true, it probably is.A tip for Mom and Dad: If your kids ask you for a loan — for debt consolidation or any other purpose – even if you can easily afford the requested amount — take a good, hard look before you agree.If you do go for it, keep it as professional as possible.[Disclosure: Cards from our partners are reviewed below.] Debt consolidation is a type of debt refinancing that allows consumers to pay off other debts.In general, debt consolidation entails rolling several unsecured debts, such as credit card balances, personal loans or medical bills, into one single bill that’s paid off with a loan.