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Should I use HELOC to Lower My Debt Payments?

Input Information
Loan Information
Interest Rate : (%)
Length : (Yrs)
Closing Costs : ($)
Your Tax Rate : (%)
  Amount ($) Payment ($) Interest (%)
Auto Loan :
Boat/RV :
Credit Card 1 :
Credit Card 2 :
Other Accounts :
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Financial Analysis (Switch to Plain English)
  Debt HELOC
Amount : $9,000.00
Monthly Payment : $910.00 $48.31
Average Interest Rate : 12.93% 5.00%
Payoff Timeline : 0 Yrs 11 Mts 30 Yrs 0 Mts
Total Monthly Payments : $9,567.93 $17,393.02
Total Deductible Interests : $0.00 $8,393.02
Avg Annual Tax Savings : $0.00 $72.74
Plain English Help (Switch to Financial Analysis)

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DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.