I’m hoping you may be able to point me in the right direction for help with a very complicated situation. My girlfriend is a Canadian citizen, but attended a doctorate program in the US. To pay for tuition her parents took out a floating rate home equity loan and line of credit, both denominated in CAD. My girlfriend has since graduated and is working in the US and paying them back in USD. As a financial professional myself, I feel that the whole arrangement is way too risky. Interest rate and currency movements have been in our favor in the past, but given the political and financial enviorment, I’m not sure this will continue to be the case. In addition, her parents will be retiring soon and will likely sell their current home which is collateral for the existing loans. Do you have any suggestions on where to even begin with refinancing this arrangement?