 They're saving their average customer $854 a month, and they do it by having you tap into your home's equity. That wipes out high-interest credit card debt. And $854 a month, well, that's like a $10,000 a year raise, 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.