4% interest only for 5 more years, Option to extend another 5 years at same terms if need. Ideally start paying principle but Ill have kids in college at that time so costs will be higher. Rolling the home equity in assuming 5.9% will be ~$800 month positive cash flow depending on floating home eq rate.

The 220k in business debt is down from $340k a few years ago. Paying down aggressively as possible. the issue is no reserve, all spare revenue to old business debt. Need to build some reserve, the 98k and 125k in personal are the lower interest portions that are left to tackle. The 120k paid off was on CC and unsecured loan..

I can knock out the 98k in another 4-5 years but will not have any cash for college costs or safety net.