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- Does a 4.9% credit card loan beat a 9.2% home equity loan in terms of money savings and tax benefits? I want to take out a $10,000 loan and I want to see if the credit card deal is better for overall savings. It’s a lower rate than the home equity loan, but will the higher APR of the Home Equity loan paired with the tax breaks be better than a lower credit card(i.e.
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