We bought our town home in 2004 with a 80/20 loan. The 20 is a HELOC variable interest rate that is currently 6.1% with a balance of about $20000 with payments currently around $120. The home is underwater by $20000 so we are unable to finance. I have a personal loan that is 17000 at 13% for 60 months that I got in March. I am alreadying paying about $50 extra on te HELOC but can start paying an additional $150 a month. Should we put money towards the HELOC or get the personal loan paid off faster? Thanks for any help.