Nicole.
Couple things I pick up on. Student Loans at 3% must be federal stafford loans Hopefully they have been consolidated and are now fixed rate.. They have up to 6 years of deferment and forbearance. Why not utilize this option and take the saved payments and apply them to the 6.25 mortgage. Seems like that is an easy way of picking up 3.25 % without adding any risk. I would also think that if a CD were paying 6.25 % you would be all over it. You may want to rethink the percentage contribution to the retirement plan. Obviously take up to the company match but the rest you may want to start using it to pound down that mortgage. Remember , when the kids go to school they will have loans available to them.
