Sell my ETH to pay off 30% of my student loans?

I have around 22k currently in ETH. I have 20.7k in federal and 48k in private loans. I am married with a 2 year old and own a house.

I just put 10k down on my federal loans. So far I’m down to around 68k from well over 100k.

In the 22k in Ethereum, about 9k is profit.

We are behind in retirement (~90k collectively)

Make around 200k collectively.

Only debt we have is the student loans and 377k on the house.

If you were in my situation, would you cash the crypto out and pay off more loans?

I’m having a hard time with deciding to sell knowing one day, my ETH could be worth double or triple what I have now.

Personal finance sub says sell it, and I’m sure this sub would say keep it, but looking for more opinions. Thanks.