Almost never. IRC §163(h) bars a deduction for personal interest. An unsecured personal loan is not home-mortgage interest even if you spend it on the kitchen. Student-loan interest is a different statute - §221, $2,500 cap, 2026 MAGI phaseouts in Rev. Proc. 2025-32.
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Yes, some lenders still quote. NerdWallet’s 2026 pre-qualification sample puts borrowers under 630 near 27% APR - almost double the excellent-credit row. That is access, not a bargain. Here is how to read the offer.
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Yes, if the installment APR beats the revolving APR after fees. NerdWallet’s $11,000 card example at ~22% costs over $19,000 in interest on minimums; a 12% seven-year loan cuts that by more than $13,000. The cards have to stay paid off.
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