Cut my monthly bills in half by rolling loans together—anyone else try this?

I get where you’re coming from, but I actually went the other way and rolled my car loan into my refi last year. Yeah, I’ll be paying for that car longer, but the interest rate on my mortgage was way lower than what the dealer gave me. I did the math and, even with the fees, I’m saving a decent chunk over time. It’s not for everyone, but if you’re disciplined and throw extra at the principal when you can, it doesn’t have to be a trap. Just gotta watch those sneaky fees, like you said... lenders love their “processing.”