It looks like i can lower my rate by 2 whole percent for a large chunk of my student loan by getting a fixed rate home equitly line of credit. I understand that my home may be at risk of a default on a home equity line of credit. I understand that its not as friendly if default on this kind of loan compared to a protected student loan. But if i'm paying both my mortgage and my student loans anyways would it not be wise to save thousands of dollars by borrowing from myself to lower my rate? I've been getting taken to the butcher on interest on my student loan. Seems like i should lower it. Good idea/bad idea?