The best and worst ways to borrow money

Source: Jessica Dickler , CNBC

Over the past few decades, Americans have taken on increasing amounts of debt to get by. About 80 percent of American households now hold some form of debt, according to the Pew Charitable Trusts' survey of American family finances. And less than half, or 46 percent, reported making more than they spend.

But when you are short on cash, not all types of borrowing are created equal. Here are some of the best and worst loans out there.

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