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I am not feeling a pinch- finances are better than ever in fact (paid off my car with the tax refund). I am about to pay off two credit cards that have MONSTER interest rates.
I don't even know what you mean about HELOC and drawing out- I am not going to pull anything- so I am not sure what this means.
My main goal was not debt consolidation- it was getting out of the ARM Balloon loan.
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