家庭股权贷款可以提供财务优势, 但有风险的房屋抵押和负股权. Home equity loans for college can offer financial advantages but risk home foreclosure and negative equity.

利用家庭股本贷款或高利贷资助大学,可以提供一些优惠,例如利率较低,借贷额高于个人贷款。 Using home equity loans or HELOCs to finance college can offer advantages like lower interest rates and larger borrowing amounts compared to personal loans. 然而,这种方法增加了个人债务, 风险房屋抵押, 并可能导致负股权. However, this approach adds to personal debt, risks home foreclosure, and could lead to negative equity. 替代办法包括联邦和私人学生贷款、财政援助和奖学金。 Alternatives include federal and private student loans, financial aid, and scholarships. 家庭在决定家庭公平支付教育费用之前,应仔细评估所有选择及其所涉经费问题。 Families should carefully evaluate all options and their financial implications before deciding on home equity for education costs.