My bankroll managment connundrum

[StellarWind]

Paying down debt is a form of saving money. Essentially you are investing in a $9K bond with a high interest rate. The fact that you issued the bond a few years ago is not important.

$26K is too much money for a 10/20 player to have sitting on a poker site, especially when you don't have much other money. PokerStars has a great reputation but you shouldn't confuse it with a bank. Something could go wrong at any time and you would be in a nearly desperate situation. Plus you are earning no return on investment for the excess portion of your bankroll.