Jinco- what I see is a need for tax planning before you make the decision to pay down the debt.
You are in a situation where if someone can save you 5% of the 210k you earn each year, we are talking about $11k. 10% would be 21k.
That is the difference between 33 and 28% tax bracket, or the difference between 35 and 25% tax brackets.
Consider tax planning to
a) avoid the amt
b) set aside money before taxes (into 401k, HSA and other accounts)
c) manage the debt as part of a larger scale financial plan
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