How about splitting your snowball into halves or even thirds?

I would definitely up the retirement to 15% by doing 401k with whatever the company will match and since you are so close to retirement consider doing regular IRA for the tax deduction. Do this until you have an amount in the retirement you are comfortable with. Speaking from personal experience you never know how soon you will find yourself forced into retirement. We certainly hadn’t planned on taking dh’s ss at age 62, but we ended up having to, paying it back and now it’s all a mess.
The kids need to be doing their part to get ready for those college bills, my kids both worked and it didn’t hurt them at all. Set a cap on how much you personally will put back. Maybe offer to match what they put back up to a certain amount.
If you did thirds you could put the rest on the Sallie Mae. Then after you hit your cap on the other two throw it all at Sallie—she’s such a biddy and I truly celebrated our divorce from her!

First off, congratulations on paying off all your consumer debt!

That is Fantastic! How long did it take you?
I’m not sure if Dave Ramsey would say to ever go out of order on the Baby Steps. I believe, he says if you can’t get out of debt in 18 months or less then, contribute to your retirement. Can someone else confirm that?
I’m interested to know what your snowball is now? You said you just paid off your consumer debt and built up your FFEF. So now that that is done, I’m assuming you still have that money to put toward your next “step”?
Can knock out your Sallie Mae #2 in a year? ($1658.30/month)
My gut says to get your retirement contribution up to 15% for both you and your husband ASAP. Have you figured out what dollar amount you need in your retirement account to retire? If it is $150,000 or $ 1,500,000, will really depend on how aggressive you need to be in your contributions.
Maybe you can do both. Contribute 15% to retirement and quickly pay off your Sallie Mae’s. I’d need to know a few more numbers to really be specific. It depends on how big your shovel is!
Can you increase your income to fully fund your retirement accounts?