<prompt> Human: I am in the process of refinancing my two home loans using Quicken from an adjustable setup to a fixed rate of 4.25 and asked about including my student loan which has about 20,000 left to pay off at 6.75.They offered to increase the amount of my loan by 20,000 so I could pay off my loan.What are the tax implications?Is this a good idea?  <response>: Yes this is a good idea. 