[Icemaster]

Take 100K out of the bank and pay off a portion of the loan. Refi to the lower rate and throw as much money at it as he can afford, AFTER he makes a re-deposit of a couple grand a month or whatever into the bank.

One piece of advice I got from my ex-wife I always agreed with - pay yourself first. Yes, pay the bills off as rapidly as possible and carry no revolving debt whenever possible, but saving something should be top priority.