Some FReepers are probably well qualified to give you advice on your loans; others are well intentioned but not qualified to give you financial direction, and maybe a few twisted minds will deliberately steer you in the wrong direction. Since you admit you don't know much about finances, how are you going to know which advice is sound? You can easily find and compare loan rates online. Educate yourself and don't trust your financial future to strangers on the internet. Talk to your banker, check out reputable financial websites, buy a book on personal finances, but (and I say this kindly) don't make financial decisions based on posts from strangers on a political forum.
Thanks for your concern-- basically I just want to know what the consensus is about adjustables right now-- is it crazy to keep an adjustable at this point?