I think $540k is a very good amount when you make about 1/2 that much. It's definitely within the guidelines and probably why you are able to pay off so much debt. I disagree with maat, you didn't buy too much house. It's likely under the 28% even with 2 mortgages. It just looks like a lot of debt, but at your age and income it'll clear faster than you expect. Plus I am not sure wher e you live but $540k barely buys starter homes in some areas.
Okay $7k is not good. And you have low interest loans. I would not count on a HELOC as an emergency fund. You'd hate to be digging in a hole when you have no job.
What'd I'd do? Personally I'd start stashing a bunch of cash, until you have at least 6 months of expenses in cash. Maybe it's the $20k extra.
Next step, is I'd keep all my loans, but I'm an aggressive investor. I'd just pay minimums and invest the difference. Now if prime looks like it's going up then I'd pay it off.
For a less aggressive position, I'd try to clear the HELOC because the rate is variable. Another reason to clear it over the student loans is if you die student loans go away but not HELOC.
Not to be morbid, but it's just a thought. So keeping the $90k around is not a huge deal. It's cheap, although not tax deductable.
I think all your loans are manageable on your income. Also I think that with your income, clearing the loans are not necesarily in your best interest. There are other area that need to be maintained.
Also before you start repaying loans, consider having a car fund set up and diverting some cash for car maintenance or car replacement.
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