I am happy to say that I am finally seeing a difference in my bills from the New A/C and Furnace that I had put it. Because I am on budgeted billing it took this long to figure out. But it was worth the wait because tthey went down by $100 a month!!! That's insane!
I'm going to send that $100 right to my LOC because that's where the furnace is sitting right now (blush) so at least I will be "passively" paying it down.
I think my LOC will be my target debt. If something happens and I lose my job (not that I expect it will happen but you never know) then I can always borrow from the LOC but I can't from my student loans