I was listening to the Dave Ramsey show on talk radio the other day. He is a financial advisor. This lady called in and said her husbad wanted to go to flight school and they had just figured out how to finance it. He said "Don't do it. Spending 60-100K to make 20K is a bad investment."

Whatever your interest rate, remember you still have to pay it back. It's not the rate that kills you. It's the 60-100K.