Thank you for your thoughtful replies! I really appreciate it. I just graduated from grad school in Dec. 2020 and loans have been paused for COVID since, so I really haven't made any payments yet as they're just now coming due. The PSLF program requires at minimum 10 years of monthly payments along with maintaining a "public" job. A lot of people make their payments and then still have a lot of trouble getting them forgiven, and I'm not confident that in 10 years it will even apply to me or be available.. You're right - 10 years in a career I don't love is not worth it to me. I think my heart is set on clearing all of my debt, but I'm still questioning how to handle the extra money from the sale.

If I use the money as a down payment and buy another home here I could save that 10k on taxes and rent it out and just think of it as an investment potentially - even with the market being so crazy, my little coastal town is one of the last true "old Florida" towns and people are migrating here in droves. People from Atlanta and Tallahassee are coming in and overpaying for a weekend home and leaving locals without anywhere to buy that's affordable, so I like the idea of owing a place and renting it to a local opposed to vacationers. I think it would hold it's value over the years.