Features Selected Rates (Bankrate.com; B of A) Mortgage (30-yr Fixed) 5.8% Mortgage (15-yr Fixed) 5.5% Mortgage (5/1 ARM) 5.6% Home Equity ($50k) 6.8% Overdraft Checking 18.0% The Debt Trap Buy or Lease? What to Know About Margin Debt Prepping for College College Costs (Average)   Public (In-State)   Private Tuitions & Fees   $5,836   $22,218 All Costs: Tuition, Fees, Books, Room & Board, Transportation & Other   12,796   30,367 Source: The College Board 2006-07 Annual Survey of Colleges