Pay the student loan. Get out of deferment as quickly as possible. You are just accruing interest. Not that you should file bankruptcy by any means, but you can discharge credit card debt and mortgage debt in bankruptcy if things were to go horribly wrong! You can never get rid of student loan debt... you will have to start paying it eventually, and I'd encourage that day to be today.
I literally signed up for this forum, in the sincere, sincere hope that you will heed my advice on getting out of deferment.
Besides, your mortgage debt is tax deductible, and if you plan on moving out of the house within the next 20 years, I wouldn't be concerned with paying off the mortgage so ear. You mention fear of job loss or illness... I'd be more concerned about my student loan in that scenario - sick, disabled and just racking on debt, until it spirals crazy out of control! How much was the original loan that is now $14K? By not paying it now, you are stealing from your future self by accruing interest you have to pay back later!
You already have good equity in the home... if you plan on moving in the next 20 years, what does it matter if you pay off the mortgage anyway - you'll just transfer equity to another home. If you plan to stay there, so what? You have 20 years to pay it back. Besides the mortgage debt is tax deductible.
If I were you, I would at least get some payments (enough to cover interest and some principal,) on the student loan, throw as much money as possible at my credit card debt, then throw money on the student loan, then after that start throwing money at my mortgage!
Now, on to your question about pension. I worked for a company that offered the same benefits you described, both health and pension, and they discontinued the program. I would only count on the cash balance of the benefit that you can claim if you were to quit that day. You're only 31 and lots can happen before age 55. I wouldn't worry about it, and just save, save, save as much as I could.
Good Luck and All the Best Dreamer!