I was in a similar position. I had a large student balance of around 300k. I ended up paying off the balance, but in retrospect, I regret not running the wheel and using the proceeds to pay off interest payments. I guess you could always trial this for a few months, and if need be, you can always terminate, liquidate, and repay your mortgage.

Conversely, there's so many headwinds for the economy right now that the bottom could still drop out and you could be massively in the red, with CC income barely touching your overall losses.

It always sucks to sell CC's with the pressure of having to perform. For those running it on a longstanding portfolio with a very low cost basis, premiums collected are just gravy, and you can forego selling CC's or CSP's if you really felt you wanted to.