<prompt> Human: Looking for some initial advice things to think about for my 80yo mom. Her finances are:20k outstanding on a home equity loan, home value about 110k20k in savings account1850mo from SS which covers her monthly expensesShe will be receiving a lump sum around 20k in the near future.With the upcoming lump sum she could pay off the home equity loan and still have a similar savings number. Heres the thing though... shes only paying 68month on that home equity loan. Is there a case to be made for not paying off the loan and just continuing with the monthly payments? If she lives to 100 thats a total of 16k in payments?  <response>: Whats the interest rate? The monthly payment doesnt matter so much. 