 And that's the difference between being in the black or being in the red for so many families, especially with credit card interest rates, 21% or even higher, and carrying a balance month to month that's killing people financially. Anyway, the great thing is you get a free, no obligation consultation and call our friends at American Financing now, 866-615-9200, 866-615-9200. On the web, it's AmericanFinancing.net.