<prompt> Human: My mom has a 30,000 home equity loan at 5 interest. She is retired and she is withdrawing about 8000year from her 401k for living expenses.How do I calculate the optimal schedule for taking out money from her 401k to pay off the loan?Another option is paying off the loan myself. I am very financially stable - I have 30,000 to spend without consequence. I love her very much and I would be happy to do so. Furthermore, her will gives everything to me, including the 401k, the house, and presumably the debt with it, so all the money we are talking about comes back to me anyway. But are there any legaltax risks to me paying the loan?Is it possible that I wont inherit the loan even though its leveraged on the house?  <response>: If you are financially stable and can afford to pay off her loan I would do it. 