I just ran across a news headline on MSNBC, "The Secret to Getting Out of Debt Without a Loan." I wonder who thought that one up, how it made it past an editor? You would have to be a dumb bunny to not know that the secret, is pay off your debts, don't refinance them. If you take a loan to pay off a debt, you are replacing one debt with another debt.
I have watered things brighter than some of the people who write these headlines.