The tax advantages don't matter if you have no income! Also, with main tax advantage I know of (interest deduction) you still pay more money if there is more i

The tax advantages don't matter if you have no income! Also, with main tax advantage I know of (interest deduction) you still pay more money if there is more interest. i.e. if you have 20k of interest a year, the income tax deduction makes it seem like ~70% of that, depending on your tax bracket, or 14k. But if you're only paying 15k of interest per year, then it's 70% of 15k, or ~10k. 10k is less than 14k.