This is all very helpful, thank you!

- The house: not under water (current Zillow at 290K & local comps strong). We are planning to stay, as we've put a lot of work into it, and really like it here. It is über affordable for Seattle, well insulated, etc. I don't think we'd qualify for a re-fi due to my SL debt. Nor do I think we'd qualify for another mortgage for the same reason. Might I be incorrect, in your estimation? I have investigated senior housing which is affordable, and we'd qualify once I am retired & living on SS, but not with current income.

- The SL: I have not paid on it in some years. The interest rate is 3.2%. I will start paying a graduated payment in the next 60 days, $200-350/Mo for a year while I investigate the non-profit 10year/120 payments pgm. I want to pay on it, but it is frankly my last priority. I'm working on putting a number to what it would mean to lose 15% of my SS each month towards it.

I think it may be time to consult a financial planner. Keep those ideas coming!