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document.write("So long as interest rates remain at historical lows, options for refinancing old notes will remain one of the single greatest opportunities available for slashing personal expenses. Consolidation loans, new car loans, and unsecured personal lines of credit are available at such low interest rates that carrying balances on credit cards makes little sense. Many times, the cost of acquiring an unsecured personal line of credit will be offset by the interest saving alone based on only one month credit card interest payment.")