re: How much debt do you have?

I have a mortgage, one car payment (wife's car is paid off), no credit card debt, combined student loans b/t both of us of ~$3000 remaining, and a small HELOC we took out to do some renovations recently. We could pay off the HELOC but doesn't make a ton of sense with only needing to pay ~50$ in interest a month and it just being tied to the equity of our home that has increased in value by about 60% since we bought it. I'd rather have more money available to invest elsewhere for a higher rate of return.