<prompt> Human: Im sure this is typical. Just making ends meet, need to figure out if I should do a bill consolidation loan, or tap into equity. Facing some necessary home improvements that I cant afford, so that plays into the big picture. How do I figure this out!?  <response>: Do you really need an advisor or do you just need some motivation to get your finances in order? In reality, an advisor cant help you until you can present them with a full picture of your financial situation, and once you have a full picture, its likely youll know what you need to do, or can post here with specific questions and figure it out. 