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Hi, my name is Mark. I would be happy to help you with your questions.
Are you able to itemize?
Both interest rates are fairly low. Based on your income taxable income you are right on the edge of the 15% tax bracket. If you adjust the student loan by the 15% tax bracket you are actually paying a rate of 3.06. The mortgage rate drops to 3.61% when you considered the tax impact. If you are not receiving a tax benefit for the mortgage interest it may be a good idea to pay this amount off. For the student loan, my guess is you are able to make a return that would exceed the 3.06%.