Well, unless I hit the lottery (which I usually don't play), I'm paying off the cards in the most reasonable manner I know how to. I knocked 7 years off of my mortgage and got a lower interest rate as well. As long as I cut up the plastic, this move is a winner for me.
Forgot to mention that my re-fi is for 20 years, my old mortgage was 30.
"As long as I cut up the plastic, this move is a winner for me."
That is what matters. Formulate a solid plan, be comfortable with it, stick to it. It's good to know the implications of rolling that type of debt into a mortgage. If you decide to do so, and you're informed, great. I don't know your situation, in your shoes, I may do the exact same thing.