My suggestion would be to pay down, outline a budget of spending needs and save the rest. Resist temptation. It will take discipline and determination, but you can do it! Good luck!
@Sbrooks1 wrote:The pets are medical reasons, I have 7 rescues and several of them have chronic health problems requiring medications. I also just boarding them to go see my elderly father for Christmas and that was over 1000. Life is expensive but I dont have to keep eating steak , I guess!!
I'm so sorry to say this. It may sound harsh, but 7 pets is too much. It's heartbreaking, but you have to let some go. 
You've said the recent spending is $4K on the pets. So the cumulative spending on pets might account for 6K? 8K? Then there is the neverending food, vet, medicine, boarding bills--your projected spend this year may be another $3-4K. So by the end of this year that's $9K-12K on the pets if you do nothing. Go back and add it up over the past 2-3 years and see what you've been charging to your cards all along just for the pets to get a good idea of wht the true costs are.
Can you reach out to friends, family, or the rescue organizations to see if they can help rehome some of these animals?
It makes no sense to do all the cuts others have suggested--- if your animal bills are just compounding.
Also, does your HO insurance rate reflect 7 animals? Pemco asked about my dog when I switched insurance recently.
If I sound harsh, I'm sorry. You obviously have a good heart, but your stress level shows you shouldn't be robbing your retirement for this.
OP, you said that you are working 60 hour weeks as a dept head?!? Are you doing five 12's?
If this were me, I would:
1. Curb my spending to literally nothing.
2. Step down to a float pool nurse. Float pool without PTO or benefits, if possible.
3. Pick up as many hours as I am awake.
4. Pay off $50K in roughly 18 months or less.
@Morpho wrote:The OP needs a total lifestyle (spending change). Making more money is just going to eventually make them spend more money unless they change the underlying issues.
Depends.
For someone like the OP, she needs to immerse herself in something other than just sitting at home and surfing the home shopping network and her local humane society website. Yes, along with self-evaluating her spending habits (counseling?), she also needs to be getting that income up and working A LOT more where she doesn't even have time to spend money.