1.   A homeowner who has paid down that loan or seen a significant increase in property value May no longer need this coverage.

2.   But paying down your mortgage leaves less money, so establish a home equity line of credit first.

3.   Instead, they are paying down debt, saving for retirement and financing college educations and health care.

4.   Xerox is expected to use the cash to pay down debt from the insurance unit.

5.   The rights issue proceeds will be injected into the ICI rump to allow the former parent to pay down debt.

6.   American Home Products has paid down debt it took on when it acquired American Cyanamid.

7.   Although cost-cutting will improve cash flow, analysts believe Raytheon will have to sell more assets to pay down that debt.

8.   Although refinancings usually cause a surge in spending, consumers growing more cautious in the uncertain climate may instead choose to pay down debt or reduce monthly mortgage payments.

9.   Analysts expect it to pay down short-term debt of its own as it prepares to become more than a long distance company.

10.   Analysts said the company could also use the proceeds to pay down debt.