 Think about what you can do with that extra money every single month. Almost $11,000 a year. You can get rid of all those minimum monthly payments. Get rid of the confiscatory, the usury interest rates. Substitute it with a rate of 6.5%, 7%, maybe 7.25%. I don't know. But up to $10,000 of that is tax deductible. It's a no-brainer. But it costs you nothing to find out how much you can save.