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Scanner - thanks for your comments on the 401K investing. We have most of our accounts in a 2035 target funds. I also have some in international funds. I don't think my company has any 401K options for sector funds, but I'll take a look.
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Yes, IMHO, that's a bit too conservative. You are probably somewhere near 30% bonds and then taking 20K and putting that into debt reduction.
Even if there isn't a sector fund. . .move your 401(k) assets entirely into equities. Then, get back into the target funds once you get much of your debt retired.