Thanks so much for reading, and sorry...maybe i'm making this harder than it has to be.

Not at all! Everybody's situation is different, sometimes it just takes a little clarification.

I assume the $10k in cash is your emergency fund? If it were me, I'd consider paring that down a bit and using the extra to pay off a chunk of the $9600 credit card debt before the interest rate jumps up again. But I think my living expenses per month are lower than yours, especially since you have 2 kids. How many months worth of expenses, including loan payments, does the emergency fund cover?

Also, you have to pay 17,500 per year on the tsp to max it out, right? Or is that 17,500 total, regardless of when you put it in?

And then, how much money will you save per month, on which loans, by switching to IBR?

What's the amount your payment will be reduced by, and how much interest will be forgiven?

You said earlier that your payment will drop to about 120 from 425, and you'll get an additional $100 interest forgiven each month?

The credit card jumps up in April next year, right? What will be the interest rate?

In the long run, you want to do whatever will save you the most money, and that can sometimes be really difficult to determine.