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Refinance To Consolidate Prepspotlight tv mshsls: With equity in your home, refinancing is the smartest way to consolidate your prepspotlight tv mshsls. Some prepspotlight tv mshsls use your home as collateral. Refinancing, on the other hand does not. You can just throw your prepspotlight tv mshsls into the amount owed when you refinance. One monthly payment; one low interest rate. Refinancing is the best route to take because the interest rates are lower than any of your other consolidating options. If you have lot’s of equity and good to excellent credit, then this is your best option.