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Thanks everyone for your replies - here's what I think I'm going to do:

Switch all of the citibank (12K) to a Chase BT offer- 0% APR w/no fees for 18 months; hopefully citibank will give me another good balance transfer deal before that expires.

I checked into consoldating the student loans - like others mentioned, they just went up, and there is a minimum. The # I gave is actually for me and my wife combined, and I think you have to consolidate individually. Regardless... the interest is still deductable.

I think I'll apply the $5K to the vehicle payment, since it's one of the higher rates and also non-deductable on taxes. The 5K cash is not from taxes, but rather something of a bonus from the company I own; it's been a very good year. The vehicle is a 2002 $45K truck that I bought one year old for $33K; it was still easily worth around $26-30K last time I checked the wholesale/trade in value. Hopefully my 500+ per month will keep knocking that down fast enough; if not, I'm still planning on keeping it for at least 5-6 years.

Thanks again, I'll be sure to keep on checking out these boards - very useful information!

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