Re: no mortgage down. Well if I'd had any warning whatsoever or had been *planning* on buying a house I would have put money down but I had exactly 24 hours to take the first bid on a house that had seven offers behind mine. One of those bid was from the university 1 block away that owns every other house on the block! Frankly I was lucky to qualify for any mortgage.
As for my student loans it isn't what I studied but where.... 3 ivy league schools for a B.A and 2 masters degrees. I got full scholarships to all of them but financial aid packages are built around the maximum allowable student loans first. Or at least they were when I went to school.
Thanks for the gentle replies... Quicken says the HELOC is paid off in 4.5 years. I can send double payments to it from the very first payment plus a anniversary gift to my mortgage of 3K every April 16th. After that I'll roll the baby mortgage payment over to the big mortgage payment and Quicken says that'll be knocked off in 12 years. 16 years to owning my house is a goal I can live with and seeing as I probably wouldn't have had the courage to do this anytime soon I'm glad fate arranged it for me.