[squiffy]

Also, possibly look into putting some of the car loan onto a Discover Card, if you can qualify for the 0% interest offer for new applicants, until Sept. 07. Make sure there is no balance transfer fee. And make sure you can get the offer extension. Supposedly the offer extension is a 0% loan indefinitely, so long as you make purchases of $25 a month on your card.

I am not sure if this offer is legit. I haven't seen the fine print yet.

If the Discover Card doesn't work for you, see if you can put a small amount, say $1,000 or $2,000 so on a legit 0% balance transfer offer. So long as you can make the minimum monthly payments, perhaps it's a way to save a tiny bit of interest.