I have, up to now, been laser focused on getting rid of some limited-time 0% credit card debt that we racked up last year.
Hi, welcome to the forum.
Is this credit card debt gone or is there still a balance? If it's still hanging around then I would knock it out first because when the 0% expires, they're coming out the corner swinging with high interest rates.
Next I would tackle the highest interest rate student loans since some are pretty high & you don't get a tax deduction.
Then the HELOC and/or car replacement fund. The rest can simmer for a while until some of these high interest debts are gone.
How urgent is the repayment on this "family loan"?
With 2 kids, single paycheck, & a company with high employee attrition...you're walking on a tightwire in my view with your debt load.
Sidenote question...you didn't mention it but does your employer give you health insurance?