<prompt> Human: We dont have CC debt, but do have a few student loans that are low, 250month total for a few more years. We also have 230,000 left in our mortgage. With 22,000 what should we pay? Put into our mortgage without refinancing our rate is much better than whats being offered or pay off our student loans? Or...take 8,000 and redo our 1958 bathroom thats falling apart faster and faster each month and put the rest...elsewhere? We are torn on what to do. Thanks!  <response>: Pay off the student loans, definitely; if things go south for you, its extremely hard albeit not impossible to get them discharged. Plus, banks can give you grief if issues come up with paying the mortgage. If things were bad enough, putting the 22k into your mortgage wouldve been for naught.Edit: Discharged in bankruptcy. Hope you dont have to go through that; I had to last year, but thankfully, I dont have Student Loans. 