No. of Recommendations: 0
Definitely sell enough stock to pay off the credit cards (and do not ever carry a balance on them again - always pay in full from now on).

Take that $1000 a month you're sending to the credit-card, and start sending it to the private loans that are running at 7%...

You should absolutely do those two things above...

Personally, I'd sell all of the John Deere stock (jumped to 68.90 today.. a nice increase for you...), keep 6-9 months of expenses (not what you make each month, but expenses) in a money-market fund, and put the rest towards the private loans... (Keep in mind any taxes you'll owe at the end of the year)

Since I don't know what your monthly expenses are, I don't how much you could pay down that loan, but with a little discipline, and using some of that John Deere money, I bet you could pay off the $68,000 in a couple of years..

Paying off that debt is exactly the same as making 7% on your money... a guarenteed 7%...

Once that's paid off, you should be in a position to move to the public sector if you want... and to start saving again...
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