 If you own a home, I want you to call my friends at American Financing. American Financing is saving their customers on average almost $900 a month just by tapping into your home's equity and wiping out 29%, 32%, 35% interest on your credit cards. It's all your money. Substitute 35% interest with 7% interest, and that 7% interest up to $10,000 is tax deductible.