Roth IRA's are fantastic for early retirement because you can withdraw the contributions (not earnings) tax free at any time. Currently you and your spouse can each contribute $5500 - that's 11K per year. Do that for 10 years and you've got 110K (plus inflation adjustments to the contribution limits). That could, by itself, cover 2 to 8 years depending on your spending.
So the general advice is usually:
1. 401K's or similar up to the employer match
2. Roth IRA's
3. Back to 401K's to maximum
4. Taxable Account
Just go up the list until you run out of money.
This of course is just a general plan. If you have a 457 plan available (your wife is in education - you might), that is probably the best of the retirement plans out there. It is tax deferred like a 401K, but the only requirement to avoid penalties on withdrawal is that you separate from the employer - doesn't matter how old you are. If you keep your expenses low in retirement and are careful about which accounts you withdraw from, taxes can be near zero on withdrawals, regardless of when you retire.
As far as where to fit in paying off the debt - I view that as more of a personal choice, but certainly the higher the interest rate, the more you want to lean towards paying it off. My wife and I went the 15% to retirement, then pay off the house route Dave Ramsey espouses and it works just fine. Our interest rate was higher than yours due to timing and the small size of our loan (was under 50K at origination), so this made sense to us. Now that that is done, we get to do more of the fun stuff - investing!
Wish we had done more of this stuff when we were your age - just by thinking about this and being intentional you will be very far ahead of most.