Hey all; great stuff here and very happy to have found you, via curbly.com. Here's my dilemma: 15 years out of school, I've still got $115K in student loan debt at 7%. As you know, those can't be refi'd. Currently $850/month payment. I hate everything about having this millstone around my neck. My mortgage payment is $960/month at 4.375% [splitting $1920 with my wife]. I've been looking at doing a refi on the house with either a fixed 2nd or a variable HELOC but...even 10 years into the mortgage, 75% loan to value doesn't cover the $115K need. My father-in-law has offered to take out a 2nd to cover the difference with me making both payments of course. While all of this gets the job done, is there a better way? Pitfalls? Angles? THANKS!