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If you’re looking to get out from under your student loan debt, it’s important to think through any strategy that lowers your monthly payments.

This especially applies to the prospect of rolling your student loan debt into a mortgage.

Refinancing your house to consolidate your debt by paying off your credit card and other bills might sound appealing, but beware of the risks.

You might trade several payments at high interest rates for one payment at lower interest, but that might not be your best choice.

Consider carefully before paying off unsecured credit card debt with a loan that could put your home in jeopardy if you don't pay it off.