Again, sorry for the loss and glad you now have a cushion.
You may want to check out YNAB (You need a budget). You are looking at some major expenses in the future (College). This may help you keep more of your cushion as you plug in expenses and have a plan.
Take a look at your CDs, if they are earning less than 4% I would pay off debt. Utilize your credit cards and let one report a small balance each month (as others have said less than 9%).
Best of luck!
