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I currently own a townhome with a balance of $70k and it is worth about $150k. My monthly payments are about $430 a month at 4.5% interest. My student loans are about 84k at 5.5% interest. I am considering refinancing my home which will bring me to a 3.75% interest and taking out a HELOC of about $40k. I would like to know your thoughts if I should take out a HELOC to pay off 40k of my student loans?  I have been aggressively paying my student loans should be done in 3 years.