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Originally Posted by Snoopy2645
What I did when dh wanted to refinance is I took all CC's & transfered to 0% rates to get them paid off quickly. That 22% interest adds up fast even on just a small amount of debt.
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An excellent point that I should have asked about sooner. What are the current rates you're paying on the credit card debt? Since you have excellent credit, it should be possible to switch the debt to lower or 0% credit cards. If that is possible it might start putting a dent into the debt, especially if your credit card interest rates happen to be high.