With your income you are probably in 28 or 33% bracket after bonuses depending on deductions. If you are comfortable investing and taking some risk, I would not pay extra on any of your debts at current interest rates. You can probably outperform the costs of your debts by investing. First, I believe you can make nondeductible IRA contributions and roll over to Roth IRA in 2010 when MAGI limits expire. Second you could invest in tax-managed funds or ETFs in an after-tax brokerage account. If HELOC rates go up or your situation degrades you could move lump sum funds from after-tax account to pay down debt. In addition, make sure you have at least 3 months of expenses in liquid savings.
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