Pay off second mortgage?

I did an 80/20 loan a few years ago. I have my second mortgage down to a little under $ 20k. However, it is 9% interest (!!!) and then on the 15th year I think I have one huge final payment. I had planned to pay it off in 7 years but my husband walked out on me so now the plan has changed. I have about $ 20k in savings but that is my cushion and if I spend it now I will TRULY have nothing if disaster strikes or if I lost my job. Should I pay this off now, or just pay extra on it monthly? I’m not really sure what is the best idea here. Currently I pay a little extra on the principal each month, but maybe there are other options I haven’t considered.

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