Re: forget it. actually was HELOC.
I am not an expert here, but it seems that you have spent a lot of time thinking through this. If you are no longer using credit cards and are wanting to lower your payments, it seems like a good move.
I know what yuo mean about red tape. That can be the most exhausting part of anything. You just have to hang in there and keep pounding away until you break through it all.
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