Well, it's a good question -- and it's good that you have the resources to deal with it. Now, to be clear, you have only two choices to get our from under: pay down the loans faster --or refinance to a lower interest rate.I would definitely make extra payments on your loan. But why do you have part ownership in a home instead of using this money to pay down those high-rate student loans? Or pay for your new degree? And why do you have "typical credit card debts" at even higher rates than your student loans? It strikes me that you need to make a concerted effort to pay down your debt. Instead you're taking on even more debt for your degree. I agree on investing in your future, but I hope you understand what a burden you're adding.One suggestion for your wife. Since she is employed she might be able to refinance her debt at a lower rate. Check it out at www.SoFi.com. And one more suggestion: Don't even think of having children until you make a real dent in this debt!