[Gogar]

I paid off one against the advice of the calculator and it felt awesome.

You could 'only' send a chunk from savings and do a recast? Avoid the LT capital gains. Might have to be more than you want to spend to make any impact.

You could bet on a rate reduction and send a chunk and do a refi at the same time but that might be a while or never.

Also the stock could have an unfortunate turn.