I wouldn't pull that card unless there was no other option. If that's what put you in debt, it can't be THAT bad. How much can you really spend on gear if the models flake out? The models are the largest expense.
IMHO if it's under 30k, I wouldnt do it. Consolidate your payments and pay that shit off over time unless you are just flat busted broke and are having a hard time keeping the lights on.
Best of luck man.
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