What is the most logical next event?

How to pay off student loans with a mortgage
Identify the types of mortgage loans available.
You can typically get a second mortgage (home equity loan), cash-out refinance loan, or a home equity line of credit (heloc). Each of these loans has benefits and drawbacks that you will want to discuss with your lender.

Select from the following.
A). Heloc loans are generally considered " less than standard " mortgages while they provide a lower interest rate. They are therefore less able to be cashed in than other options for loan repayment.;
B). Before choosing your loan option, have your lender compare each option against the other two, and get a second opinion. Second mortgage: you borrow against the equity in your home and receive a lump sum.;
C). Your lender will determine which one is best for you and what you can do to raise the minimum interest rate and fee. There are several choices you can pursue : Cash-out refinancing.;
D). Look for loans with at least three different types of interest. Offering the same interest rate over and over will be exhausting.;
B).