[terry1156]

It sounds to me that you have pretty much already made up your mind and are looking for confirmation that doing this is not the wrong thing to do (my apologies if I am misunderstanding).

If you are going to refinance, like I mentioned before, take the time to compare and haggle a bit - it can save you a lot of money in the long run.

I would also keep the extra jobs as long as possible. I know that you said 4 years is just too long, but if you can do it an extra year or even six months and put the money agains the loan, you'll make a huge dent and pay a lot less over time. Then again, life is not to be miserable so you don't want to keep at it if you aren't getting some enjoyment out of it.

Keep us up to date on what you decide and how all progresses.