cantilever brakes or change to disc?

hello all, new to the site. just wondering if any one had experience with a cantilever schwinn? i ride a 1995-96 cruiser six anniversary issue schwinn. the rear brake yoke is in the way of mounting hole for the rear phantom rack. the adjustment of the yoke is`nt enough to get it up and out of the way. the cross cable will rub or grind away on the rack. because of the arch. should i check into disc brakes and what cheap disc brakes will work for my application? thanks for any help. wez

thanks for the response. will take pictures tomorrow and get back on site. i was thinking of using long arm brakes? but,the long arms are a side pull style vs. the center pull cantilever. going to look up the ones you spoke of. the disc thing sounds really interesting too. thanks for the help.