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Tuition is an expense like any other. Should someone use a HELOC for their utility or car payments?
If they are, then they need to re-examine their day-to-day expenses. Sounds like someone is living beyond their means....
I don't think anyone should have a HELOC for emergencies; too easy to tap into for every little hiccup. I prefer Dave Ramsey's approach for emergency funds. We have 3 months income in a MMA.
Of course, I used to be a sub-prime lender (*gasp) before there was such a term, many moons ago. I've seen too many people use their HELOC's for "emergencies" like weddings, cars, and vacations. Then get into big trouble.
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