Yes I think we all would. That's why average is 11-13% interest. It doesn't really make sense to take out a loan at this rate at this time. Especially since the 4 year cycle hasn't officially broken yet. In 6 months, if we're over $100k we haven't started heavily fading, it might make sense to borrow, but I would have preferred to take the loan at 50k and pay it off or refi at $110-120k rather than take the loan now and refi at 80k in 12 months. The interest will eat your lunch.