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Loans can offer relief from credit problems and help consumers manager long-term credit card debt. There are low-interest loans available that enable consumers to ease credit card problems by getting rid of long-term credit card debt and high-interest rates. One option for credit problems is a debt consolidation loan, available from most banks and other lenders at rates lower than credit card rates. These loans usually have fixed rates and payment plans. Seek credit card help from a counselor or agency for more information. A second common option, available to home owners, is a home equity loan or line. Both typically offer lower interest rates than credit cards. Homeowners can use home equity as collateral to pay off long-term credit card debt. Home equity lines are generally done with the same type of revolving credit as credit cards. But be very careful about acessing your home equity. These types of loans are tied to your home and if you are not able to repay them it could lead to foreclosure. Consumers should also ask for credit card help in managing their debts, even after receiving a loan. Consumers who do not learn strategies for keeping debts down may be prone to make new charges on their credit cards after paying off their old debt with a loan. This practice will only worsen card problems.