my husband and i currently own a 2 bedroom condo. we have an 11 month old and another child on the way. we are currently in $30,000 negative equity on our condo (due to the down turn in the market) we have about $30,000 in credit card debt at about %15 interest. our mortgage interest rate is high at 8.5%. we would like to move in the next few years. my credit score is the the high 700's. we have $23,000 in savings and i am wondering if we should pay down our mortgage in hopes of getting out of the hole we are in and at least try and refinance or pay down our credit cards. we can save roughly $20,000 a year. any input would be great. thanks!