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And if you're considering putting part of a semester's tuition on a credit card and carrying a balance, using a HELOC to manage short-term cash flow is a much better option.

HELOCs are more difficult to predict because the interest rate changes over time and they usually offer some flexibility in how you repay them.

(Home improvements will boost the market value of your home.

But contrary to what you see on television, you will recoup only a portion of any project's cost.

A home equity loan makes sense if you need a large amount all at once for a specific project.