<prompt> Human: Im considering getting a mortgage to buy our first home, and I am wondering whether or not it makes sense to extend the mortgage to include student loans.I have a little under 15k of student loans at 6.8, and I can get a 3.5 mortgage for the next 5 years. Couldnt I save a ton of interest by consolidating my student loans under my mortgage?  <response>: The bank will not lend a mortgage out for more than the home is worth. Will you be putting a large down payment down that will free up equity? If so, why didnt that cash go towards the student loan? 