The dollar is actually getting stronger now (at least it was yesterday.)
this is why i've been throwing the idea of a loan around a bit more than i have in the past.
like i had initially said, i wasn't sure if a bank would even give me a loan to pay off my US debt, but i can't think of another "reason" to tell them why i need it. as you said, i don't have the car or new home thing going for me, so they might be reluctant.
maybe since the pound seems to be getting stronger, i'll just lock in a rate on XEtrade....i just hope that it doesn't end up getting even stronger and i end up screwing myself.