Here at the Learning Center, we talk a lot about the different forms of debt relief, like debt consolidation, debt management, bankruptcy, credit counseling, etc. These are important topics, and after all you wouldn’t be reading this stuff if you didn’t need help with your credit card debt. However, it can be tiresome to focus repeatedly on either the drudgery of struggling with credit card debt or the difficulty associated with getting rid of that debt.
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Credit card debt forces you to re-examine all your financial behaviors. Bankruptcy, credit counseling and debt consolidation programs require you to adjust your spending habits to cut down on your debt, but I’ve found there’s an even bigger motivator for saving money: not having any money.
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Leveraging your home mortgage to pay off credit card debt has become very popular of late. Homeowners with real value in their homes and a mountain of credit card debt find the prospect of eliminating their high-interest debt very enticing. This process may seem helpful, but it’s not. The reason you shouldn’t borrow against your mortgage to pay off your credit card debt is simple: It’s robbing Peter to pay Paul.
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Credit card companies have found an eager market in the nation’s fickle college students, who are all too ready to charge up a mountain of debt with nary a thought of the consequences.
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