If you had more time to work on it, and the numbers were in your favor, you might have considered buying a two or three family home as a new primary residence (GI Bill, no downpayment), and converting your current home to a rental at a minimum of break even. That reduces your housing cost considerably.
Of course since I sell houses, I do tend to think of problem solutions involving them...
8^)
I’m almost out of debt, I don’t want to add fuel to the fire. I only have three years left on my house.