Borrowing money can be costly these days. Credit card rates are sitting at an average of about 21%, and personal loan rates are in the double-digits, too. If you're a homeowner, though, you may be able to access the funds you need to borrow more affordably via tools like a home equity line of credit (HELOC) or a home equity loan . "With today's higher cost of living, credit card debt in the U.S. continues to rise as people lean more heavily on plastic to cover everyday expenses," says Karri