It is a trap. Don't fall for it. Never borrow money for something that does not appreciate or generate income greater than the interest. If you have debt that is not productive give up something even if almost essential to pay off that debt. Starve to avoid debt, you either starve a little now or starve to death later. Better to be in debt to the IRS than to Credit Card Companies. Seriously, check, get some profession advice, not mine but is seems that the IRS charges less than half the interest that a credit card company charges. Yes, it is a debt driven economy but the rich have good debt and the poor have bad debt.

TEK