<prompt> Human: So my husband and i were looking to refinance our house to 15 years, making our 450 payments to 550. However, we realized we could get a mortgage of 630 for only ten years. We currently have an extra 800 to save or pay off debt a month and in about two years 1500 a month once we no longer have to pay for child care. This is also not assuming we will have pay raises. Our options are to get the 10 or 15 year mortgage to cut down on our interest to 3.5 and be done with the house, or attack his 30k at 6 in student debt first and then maybe refinance to a lower mortgage after. My worry is that we arent sure if we want to stay in this house and add on or move since we love the location and have the land. Should we take care of the student loans first or the mortgage? Should we try to take care of both at the same time by refinancing and then taking longer to pay off his student debt? Thanks!  <response>: I would say student loans. If you are capable of your current mortgage and wont loose the house, focus on paying down the higher interest loan first. 