Sounds like your mind’s already made up. In the spirit of giving advice, I would strongly urge that you at least look at Dave Ramsey’s approach to personal finances, even if you aren’t going to follow his suggestions. He’s a much better advocate of living on a cash basis than I am.
If you do go down this road, I’d strongly urge paying it off sooner rather than later. The longer that debt hangs over you, the more likely it’ll be that Mr. Murphy will come along and take a crap on your head.