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I pretty much have the CC debt on target for complete elimination in 8 month. Woo Hoo!

Remaining debt will be:

Auto Loan about 9K at 5.25%
Parent Plus loan 24K at 4.25%

HELOC 29K at 7.5%
Mortgage 146K at 6.0%

Background on HELOC- Loan is 4 years old used to build 3 car detached garage and remodel old garage into a large living room.

My thoughts on how to proceed are.

1 build up a 5K efund then
2 split $500 efund/$800month auto loan until gone

Next things get very iffy. Do I go for a 160K 15 year Refinance and snowball the rest of the HELOC using all my favorite BT's at 0%. This will depend on 15 year rates in the future if they are still good.

I am thinking that once I am out of CC debt, the only way that I want to use a BT at 0% is if I have a efund that is larger than the BT. I would probably want the efund to be about 10K or so before using this technique for snowballing the remaining HELOC.

Parent Plus loan I should attack only after I have maxed out 401Ks and me and DWs Roths

Note: Once CC debt is gone, I will be budgeting 1K a month for Retirement. I can not affort not too.

Any thoughts?
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