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You could also trade your credit card debt for a lower-interest home equity. You can use a cash-out refinance to borrow money for your child's.
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To get cash out of your home's equity. A cash-out refinance lets you refinance for more than you owe on the original mortgage and get cash in.
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When you take equity out of your home, you can either get a line of credit (a second mortgage) or do a cash out refinance. With a line of credit, you can get either.