1.   And falling rates have set off a new round of mortgage refinancing, which means that families are borrowing more against their homes without raising their monthly mortgage payments.

2.   Families borrow.

3.   Families borrow the equipment for a month, so that their children can gain computer knowledge and improve reading, writing and arithmetic skills.

4.   Her family borrowed a van and spent the day lugging equipment and clothing.

5.   Interest rates have gone so high that the family cannot borrow the money it needs to make ends meet.

6.   In the past, families would borrow to buy a car or send kids to college.