<prompt> Human: Hello PF, I am just about to turn 26 years old and have about 23,000 in student loan debt at 6.55 interest daily with 8 years remaining on the debt. Minimum payment is 367 a month, but I have been meeting or exceeding at least 545 a month with the goal of being debt free by 30.Through my wifes credit union, we were offered a home equity loan on our house for 2.99 APR over 60 months which means I could meet my goal of paying off in 4 years with only 509 per month or pay off in 3.5 years at the same rate. Is this a wise decision? We were lucky in buying our house, so we have gained about 80,000 in equity from when we bought it, so even if it declines a bit, we should be ok. What are some things I could be overlooking?  <response>: Id probably do it. Youre only using 14 of your equity. If you have an emergency fund and jobs that are pretty stable Id move forward. 