Well, that means that my debt is hers as well, and I don't think she wants mine. I wish mine was as low as hers! I know that legally, it's our debt, but we've always kept our finances separate. We also both went rather retarded with our finances in our early 20's (me more so than her).
Looked into that a few months ago. We're at 5.25%, so I was advised by the refi companies that it wouldn't be worth it.
That's what I did with a couple of credit cards a few years ago. The APR was higher, but it was simple APR, so I had the load paid off in one year (albeit at a higher monthly payment). It would have taken me years to pay off just those two and it would have cost me a whole lot more in the long run.
That's what I'm kinda doing now (I'm not selling all the guns. I sold a bunch and put towards debt, but no more dammit!). I did the budget and am sending a whole lot more than the minimum towards the lowest bill, and plan to add that to the next lowest bill when this one's paid off. I guess a half-assed Dave Ramsey plan is better than no plan at all.
Thanks for the replies guys. Gives us (well, her) some things to think about!