Refinanced the house to do it, but we just wiped out a ton of super high interest debt in a single evening on the credit card websites hitting the “pay full balance” buttons. Then we cut them all up. (Except one, just in case.) This has been a monkey on our backs seemingly forever. Some of these cards haven’t had a zero balance since I was in college nearly 30 years ago. The monthly savings on interest will be huge. It is like being able to breathe again after having been under water too long. Yay!