Our new Indie Games subforum is now open for business in G&T. Go and check it out, you might land a code for a free game. If you're developing an indie game and want to post about it, follow these directions. If you don't, he'll break your legs! Hahaha! Seriously though.
Our rules have been updated and given their own forum. Go and look at them! They are nice, and there may be new ones that you didn't know about! Hooray for rules! Hooray for The System! Hooray for Conforming!
If you have debt that you're paying off at a rate higher than .75 APR, there is absolutely, positively, completely and totally no reason not to take out that loan and pay off that debt with it. It's basically just making yourself owe less money with fucking magic.
They say you can't make money with fucking magic because "arbitrage", but the only risk involved here is you earning a commission. If you're sure that's going to happen: take the money and use what you need, then: put the rest in a minimal risk account that earns more than 0.75 APR, open an IRA ($5.5K max for this year), and/or pay off debt.