I'd go with the HELOC. It is a lower rate and tax deductible, making the true rate even lower. Keep making the same $700/month payment and you'll be debt free even quicker and at a lower total cost.
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Steve
* Despite the high cost of living, it remains very popular.
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
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