Puck

My opinion is that you should pay these off, and you'll have $12k left over for a nice emergency fund. Plus you will have all that cash you WOULD have been spending on those monthly payments to sock away in an emergency fund, or put more into your 401K and/or IRA.

I think you'll find that, like most people, your ability to get another HELOC is going bye-bye for the foreseeable future. Depend on yourself, your cash reserve, and your ongoing ability to save huge chunks of money, to save you in case your job security becomes a problem.

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"Wealth is the slave of a wise man. The master of a fool." -- Seneca