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I know people who refi. every few years so they can go to places like Disneyland. That, IMHO, is really stupid. What you're suggesting is far from stupid. As I mentioned before, the interest savings alone would be a legit reason to refi. The fact that you also get your life back and maybe get some flexibility is a definite bonus. I'll say again, I really am conservative when it comes to this stuff (first house paid off in full at age 28), but I think you have no reason to feel bad about the refi. Do the research, be careful, don't be stupid . . .but don't feel like you can't do it. (BTW, what's the interest on the car loan? Could you pay that early with refi. money and leave the zero percent credit card where it is?)