 You know, a $25,000 home equity line of credit is going to cost you 300 bucks a month. So you add that debt to it and your debt load's going up instead of going down. So what I've done is I give people an option. Here's your option on consolidating everything into a home equity line of credit, which is cheaper than a refinance, but a much higher interest rate, much higher. Like they're running between 10 and a half and 14%. Yeah.