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New Life Funding has helped many families regain control of their personal finances through our debt consolidation program where you can borrow against the equity in your home.  There are many benefits to consolidating debt this way, not the least of which is substantially lower interest rates.  Repayment of debt also becomes easier with one money-saving payment each month.  In many cases, the interest on this loan is tax-deductible whereas your credit card interest is not — consult your tax professional to see if this applies to you.