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<After I pay off all my debt (target 2 - 2.5 years), I was going to evaluate my financial position and determine at that time what to do.>

You might also look at a debt consolidation loan. This will cost you more in the long run, but the monthly payments will likely be less than the sum of your current loan payments. You can use the increased cash flow (if, in fact, the increase is significant--call some banks and credit unions and get some numbers and crank them) for one of a couple of purposes: more flexibility in your disposable income, plow the extra back into your debt consolidation loan to pay it down faster, or (and what would likely be my move) plow it all back into your 401(k), or an IRA or some other tax sheltered plan. If the money grows at a higher rate than your debt consolidation loan (which is likely, but look at this carefully, as well), then you're even more money ahead _in the long run_.

Hope this helps.

Eric Hines
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