<prompt> Human: Hi there,I will soon inherit a townhouse rental property from my mother. The mortgage on the property has been paid off and it is currently being rented out for 3,950 per month the property is located in Sunnyvale, CA.I currently owe approximately 50K in student loans. Approximately 20K of these are govt. subsidized loans Federal Stafford Subsidized and the other 30K are Federal Unsubsidized Loans. The average interest rate between all of my unsub loans is approximately 4.1 So my question to you all is: Would it make financial sense to take out a 30K 10 year fixed interest home equity loan for this rental property where the interest rate on the loan was less than or equal to my unsub loan interest rate? A few additional facts to consider:1. I will continue to rent this place out at the current monthly rate for the rest of 2016 and 2017.2. I make 72K after taxes from my job3. My debt to income ratio is currently about 55 small business loan, four 0 interest credit card payments rent a few other things.Thanks in advance for your feedback! :  <response>: Its not generally advised to trade unsecured debt for secured debt. If you find yourself unable to pay your student loans, its bad, and your credit takes a hit. If you find yourself unable to pay your home equity, you lose the townhouse. 