Homeowners can borrow up to that amount to make energy-efficient improvements.
The first step is to avoid taking on more debt. It's the most important and hardest step of all.
There are lots of reasons why you shouldn't do this, but let's consider the other side of the argument.
Even bank fees and loan fees and interest rates are fair game for haggling.
It used to be that the only thing a bank or other potential lender would look at before deciding whether to offer you credit was your credit report and score. Not anymore.
Loan only as much as you're willing to lose. Also, if possible -- and only if they're OK with it -- try to help in other ways.
Part of me says 'yes.' Part of me had to do it.
VIDEO ON MSN MONEY
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The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
New rules mean that longevity annuities -- insurance against outliving your money -- are more attractive for retirement savers.
Six weeks later, most Americans have forgotten about the 2014 tax season -- except those who didn't file by the April 15 deadline.
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