Lee
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In 3 years her car will be paid off, $560/month. Our kids will be older and to the point where sharing a room isn’t possible once we get them larger beds and things. Like I said we get by, not having financial problems or anything, just wondered if rolling that student loan into my mortgage was worth it or not or would save me anything.
I make $120,000 a year so we aren’t struggling by any means.
Honestly with what your mortgage is,, around $1,000 a month, student loan only $400, car $560, then you have to take a hard look at your budget.
At $10k a month income, you need to dial back something and pay at least $500 a month. 10% of your pre-tax income is going to housing. I know there is probably some medical expenses for the wife, but you really need to knock out the student loan debt asap, you have the income to do it.