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By and large, 15-year loans should only be taken out if (a) you can afford the higher payment; (b) you likely won’t be employed at the end of the 30-year term; and (c) the extra money being tied up isn’t needed for something else.Adjustable rate mortgages are also known as “5/1 ARMs” or “7/1 ARMs”.Let’s say you’re carrying ,000 in debt in various forms—a personal loan, credit cards, school loans, car title loans, and other debts.The interest rates on these loans are all quite high; you’re shelling out more than

By and large, 15-year loans should only be taken out if (a) you can afford the higher payment; (b) you likely won’t be employed at the end of the 30-year term; and (c) the extra money being tied up isn’t needed for something else.Adjustable rate mortgages are also known as “5/1 ARMs” or “7/1 ARMs”.Let’s say you’re carrying $40,000 in debt in various forms—a personal loan, credit cards, school loans, car title loans, and other debts.The interest rates on these loans are all quite high; you’re shelling out more than $1,000 a month in interest, yet still making no progress on paying most of it off.On the other hand, if you ever needed to defer paying student loan debt due to financial hardship, this is easier to do than it is to avoid paying a mortgage.Overall, you might wish to consider refinancing some student loan debt into a mortgage so that the student loan doesn’t also have a 20-30 year payoff, but keep a certain, fairly low student loan balance after the refinancing (say, less than $15,000) that can be paid off with extra payments within a few years.The rates usually adjust once a year by a certain amount tied to a given fixed index rate.

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By and large, 15-year loans should only be taken out if (a) you can afford the higher payment; (b) you likely won’t be employed at the end of the 30-year term; and (c) the extra money being tied up isn’t needed for something else.

Adjustable rate mortgages are also known as “5/1 ARMs” or “7/1 ARMs”.

Let’s say you’re carrying $40,000 in debt in various forms—a personal loan, credit cards, school loans, car title loans, and other debts.

The interest rates on these loans are all quite high; you’re shelling out more than $1,000 a month in interest, yet still making no progress on paying most of it off.

On the other hand, if you ever needed to defer paying student loan debt due to financial hardship, this is easier to do than it is to avoid paying a mortgage.

Overall, you might wish to consider refinancing some student loan debt into a mortgage so that the student loan doesn’t also have a 20-30 year payoff, but keep a certain, fairly low student loan balance after the refinancing (say, less than $15,000) that can be paid off with extra payments within a few years.

,000 a month in interest, yet still making no progress on paying most of it off.On the other hand, if you ever needed to defer paying student loan debt due to financial hardship, this is easier to do than it is to avoid paying a mortgage.Overall, you might wish to consider refinancing some student loan debt into a mortgage so that the student loan doesn’t also have a 20-30 year payoff, but keep a certain, fairly low student loan balance after the refinancing (say, less than ,000) that can be paid off with extra payments within a few years.The rates usually adjust once a year by a certain amount tied to a given fixed index rate.

consolidating debt and mortgage-86

About Elizabeth Helen Spencer Elizabeth Helen Spencer is an English teacher and freelance writer with a passion for personal finance, psychology, education and parenting.Therefore, the total equity in your home is 5,000 (minus the ,000 to ,000 in realtor’s fees and transfer taxes you would incur in selling).This amount of money would pay off all of your debt.Overall, these are not a good bet if interest rates are historically low and likely to rise, or if there is a general inflationary environment, meaning higher than four-five percent a year.Currently, a fixed-rate mortgage at, say, 3.5 percent or 3.75 percent is probably a better bet than an ARM because today’s interest rates are historically low. You can afford a ,000 mortgage to clear your debt and keep a little extra “change” according to the initial scenario.




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