jeffbrig,Congrats on the hard work and success. I agree with many of the other posters that your balances and interest rates are positioned such that any further reduction using BT is not worth the risk/hassle.My wife and I had been playing the same game for about a year and a half, until just about 4 moths ago now. All our CC debt is now on American Express, at 3.9% for life. I've received better offers since, but we just finally had to make the decision to stop screwing around, and focus on the pay-down itself. I use the higher interest rate as motivation to pay off faster.You mentioned that under current payment methods, you could survive on 66% of take home pay. If you don't already, I highly suggest that both you and your wife have disability insurance set up to make sure this level of income is maintained in the event of any problem. (just a suggestion you are already familiar with I'm sure).Best of luck to your future success and pay-down.Jon
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