In addition, the amount owed in student loans will depreciate over time due to inflation. $100 debt aquired in 2015 will not be as much in 10 years.Go for real estate - but read up and find your niche before you pull the trigger. 

@Brandon Reed It's a national program and the only requirement is that you can't own more than one property, it has to be your principal residence, and you can't have delinquent payments on your credit report for a year before you can buy.

She owes 119k on it and is willing to do subject to mortgage financing.

Of course, principal pay down and some tax perks to boot. 

You owe the current rate.

Ground Up Construction loans (for 1-4 unit investment properties).The principals of 11 Capital Finance have been in the commercial lending business for over 20 years and know how to properly advise a borrower on any type of commercial real estate transaction.

If this is an investment property I would not put your dads primary residence at riskHere is how:You default and property is sold for $100k less than owed.

Heloc would cost about $539 including principal repayment so I've decided to sell.

How will it handle Mortgage payments where there is a breakout of principal, interest and escrow(Taxes/Insurance)Please tell me how the software goes if you start to use it.

Fortunately we had some capital left, we don't owe anyone anything (including internal debt).