Fast forward to 2016, I'm two years away from paying it off (extra principle payments) and my oldest child graduates high school in 3 years.

After our only child got married, we of course started to talk about grandkids...my son had moved to Nashville, and we were still on the east coast - so the wife had the urge to move closer to our son - we pretty much sold it all, liquidated while the market was still strong and moved again.

Current opinion is such a dual Parent-Child transfer would not be considered a Step Transaction.  

http://obamacarefacts.com/obamacare-individual-man...The annual fee for not having insurance in 2015 is $325 per adult and $162.50 per child (up to $975 for a family), or it's 2% of your household income above the tax return filing threshold for your filing status – whichever is greater.http://www.cbsnews.com/news/is-mandatory-health-insurance-constitutional/

Yes they are moving but they have a child which will make it a little more difficult to move again.  

Total monthly debt includes expenses such as mortgage payments (made up of PITI), credit-card payments, child support and other loan payments.

This can be your spouse, your child, your parent or a trusted friend.  

He only had one child, the rest were siblings, etc.

I am looking for a potential new house for me closer to work and my childs private school.

You can't garnish wages for anything other than unpaid child support and unpaid taxes.