conversation: User (sfx-1): "Hello everyone. Throw away account, but I am looking for advice on if it is a good idea to roll some of my student loan debt into my home mortgage. Here are the details:\n\n20yr student loan at 7.74% with a balance of $34,000,\n28yrs left on a 30yr mortgage at 3.75% with a balance of $145k\n\nI would specifically like to know how this would affect me financially in the long run. Would I be paying more for the student loans over the lifespan of the mortgage? If so, how much? Also how would this affect me if I decide to sell my home later? Do things get complicated or will I have a hard time? Any other advice or ideas?"
  Self: "Have you tried refinancing the student loan on it's own?  If you have good credit, you can get down to 2.2% with a refi/consolidation .. Should also be much cheaper than the process of getting your home mortgage involved."
  User (sfx-1): "This is the refinanced amount through sofi. Are there are other lenders with lower rates I'm not aware of?"
  Self: "I googled "school loan refinance" and 2.2% was the lowest that came up, 3.5% was common, it's all variable based on your credit score."
  