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Refinancing won't solve debt problems (Bankrate.com via Yahoo! Finance) - Tapping equity to refinance a mortgage will wipe out credit card and student loan debt, but it creates new problems if you keep on spending, says the Debt Adviser.. Pay Off Your Student Loans the Smart Way (Hope Star) - (ARA) - Your education is the key to launching your future. After you enter the professional world you leave the college years behind to focus on your career goals. But one thing most people can't leave behind are student loans.. Should we use emergency funds to pay off debt? (CNN Money) - Question: My wife and I have saved an emergency fund of $30,000, or about six months' worth of living expenses. We also have about $150,000 in student loans from law school, $50,000 of which are private loans with a 7.87% interest rate.. Idaho Board of Education considers teacher incentives (The Times-News) - BOISE, Idaho (AP) -- The state Board of Education will consider drafting proposed legislation that would offer financial incentives, such as student loan forgiveness, to increase the number of teachers in high demand subjects like math, science and special education.. Singing a Holiday Tune or a Debt Dirge? (The Motley Fool via Yahoo! News) - For many people, the season of giving is also the season of guilt. It's a miserable feeling to be shopping for holiday gifts with a credit card that already has a big balance hanging over your head. It's a helpless feeling of drowning, with the shore nowhere in sight.. MICHELLE SINGLETARY: THE COLOR OF MONEY: Student loans need attention (Contra Costa Times) - Class of 2006 college graduates, listen up. It's been almost six months since you left school. During this time, you haven't had to pay a penny on your student loans.. Singing a Holiday Tune or a Debt Dirge? (Motley Fool via Yahoo! Finance) - Attack your debt if the holidays have you wringing your hands over credit card bills.. Saving and investing: Sallie Mae grows up (Deseret Morning News) - Independence is probably the best thing that ever happened to Sallie Mae, the dominant player in the lucrative, federally guaranteed student-loan market. Since Congress began cutting its government apron strings in 1996, Sallie's stock has climbed nearly 750 percent.. A Govt clerk, family will move to their new flat soon (Indian Express via Yahoo! India News) - His one wish was to own a home in Mumbai. And ever since his daughter Bhakti was born, his only mission was to fulfill that one wish. He was close. Six months later, the Patels would get possession of their one-bedroom flat near Borivali. But Amrat Patel will not be there when that happens in December or January next year. "He always told me that shifting to a new house would help our only . Color of Money Book Club (Washington Post) - Michelle Singletary hosted authors Kalman Chany and Mark Kantrowitz for a discussion about November's Color of Money Book Club selections: .