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Hi - I have learned a great deal off these postings for many years. I have worked aggressively to live beneath my means and get rid of credit card debt. about 30K.

I funded both a BS and grad school with stu loans and credit cards. Graduated grad in 2002.
Consolidated loans in 98 and then again in 02. Student loan was 83K at 5.65 - 1/4 with direct debit. Currently owe about 80K.
In 11 more months rate will drop 1 point to bring me to 4.625.

Currently max out 401K and Roth -
Cannot deduct Stu loan interest
8 more months on a car loan at.9% interest - this will free up another 363/month

House recently got appraised for 210K owe 141K

Should I pull a HELOC, combined with a 0% credit card and transfer the stu loan and get the tax write off?

Or keep the stu loan and invest 10K/yr in a taxable account?

Or do a mix of both?

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