shedding $20,000 in debt

I am paying off my car today. It's exactly one year earlier than when it comes due, though I had still planned to pay it off sooner than this. But it reminded me of where we were a little over a year ago. Brian had $11,000 in credit card debt and we had three car loans with at least $9,000 across them. Now all we'll have is $8,200 in school loans and our two mortgages. The next thing to attack is the interest only balloon mortgage for 15% percent of our home's price. I pay a lot extra on it every month but have still only paid down $4,000 in principle in two years. The interest rate is 8.25% so we'd like to refinance if it becomes possible. Brian is talking about buying a truck and financing it, I am really hesitant to take on another loan. The book Total Money Makeover by David Ramsey was what inspired me to really get serious about paying things down.