If I was you I would not do the 125% loans. You could look into a regular loan with a low rate. Most home equity loans are very high interest rates. I have seen them as high as 24.9%!!!! So if you do want to consolidate payments, be carefull and when you do get that loan cut up your cards. Other wise you could be tempted to use them again and rack up the amounts for a second time. Good luck to you.
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