The system factors that you are getting 0 percent on your money sitting in the bank. Right now with little efort you can get 5%.
It also figures that the HELOC debt is going to carry a lower interest rate than what you could get on other credit lines. I have carried over 20K in credit card debt for nearly 5 years and have never paid interest on any of it. Lot of 0% offers out there.
Last but not least I am wondering why I would pay 1000 dollars for a software program when if my goal was to pay my mortge off early I could simply send in an additional payment each month.
