<p>We used our HELOC throughout the past 10 years, did not take any UG student loans, and are now working to pay down the HELOC balance, it has worked find since the interest stayed low. I have heard many storied of HELOCs being reduced or canceled as the market dropped the past few years, but have never heard of one being called- that is scary! I wouldn’t have the money on the HELOC if I had the cash to pay it off!</p>