Answer:
A HELOC or home equity loan can be used to consolidate high-interest debts to a lower interest rate. Homeowners sometimes use home equity to pay off other personal debts such as a car loan or a credit card.
at the beginning of your essay
William Zinsser's comments about writing as a profession perhaps dispel some myths about it. First, he says one needs to re-write sentences often many times to convey the designated meaning accurately and eloquently. Also, he says that one needs to stick to a schedule to be successful at writing like going to a job. Thirdly, writing is not easy and not necessarily fun at least at the time when the writing occurs (though in retrospect it may be considered to be fun-my opinion). Thus, we see that writing does not necessarily carry a lot of glory with it and is hard work and is a craft to work at to perfect it.
I think the punctuation after said is wrong