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I like Mary she give excellent advice... most of the time. But here she has it all wrong because she didn't really research this program or company... just made a snap pre-judgement. First... United First Financial's "Money Merge Account" program is NOT a line a credit... it is simply a software program. You don't need a line of credit to do the program at all anymore. The new 4.0 version attacks debt where it sits. The average client is paying off debt in 1/2 to 1/3 the time withOUT changing their budget or lifestyle in any significant way and without refinancing their mortgage... if they have one. The software works with a perfect "marriage" of four features... 1) It does the math - like a "Financial GPS" it gets you to the quickest way to zero debt paying the least in interest. 2) It has features in it that show you the impact of EVERY dollar spent (and before you spend it), and what impact that is having on your financial picture. 3) Because it is so easy to use, and sensitizes you to your situation constantly, it actually becomes a behavior modification tool and you get EXCITED about staying on track with the program. 4) It has unlimited Client Support and coaching. Have a question... hold times are less than 30 seconds most days and they will walk you through anything you need and answer any questions you have. Just need a word of encouragement? Call! Because of all these factors... 95% of UFIRST clients "stick to" the program and log in monthly to use the software. Also... the average client is getting 20% BETTER results then initially predicted (clients get a report showing the date they will be debt free before they get on the program. That is tied to their money back guarantee). The company has won THREE awards now... one from ERNST & YOUNG, the top 10 accounting firm. Also... one of the top accounting firms in the world has approached the company to represent the program outside the US and is currently in negotiations. If someone can get out of debt themselves... that is great. But most American's are like "boiled frogs" when it comes to how much debt they have accumulated over time and the average American has less than $3000 saved for retirement. Obviously whatever we have done in the past is NOT working for MOST of us. UFIRST is a great solution for a lot of people and the clients we have on the program not only LOVE it... they say it changed their lives. Einstein said that "Insanity is doing the same thing over and over again and expecting a different result." Sue@TeamSue.com