Ok, so I am an exception to most rules, but I do have a house I am deep in debt for, and went even a little deeper in regard to my surgery and some improvements to the actual house. My re-finance did end up with a very slightly higher payment, and another 18 years of some great interest write-offs on my state and federal income taxes. GCS is about the same price as my last motor vehicle cost, and I had good enough credit with my actual Credit Union that I could have gone that way too.