For those adults in need of extra financing now, it may be tempting to simply ask for a credit line increase from a credit card company. Or they can apply for a personal loan to help make ends meet. But the reality is that interest rates on both products are comfortably in the double digits now with credit card rates , in particular, over 20%. So applying for either comes with hefty costs. Homeowners, however, can comfortably avoid both by turning to their home equity  instead. Home equity