Thanks so much for all of your input. The result-12% interest Disney loan paid off with credit cards! I recommended that my daughter get a new SW card, I put enough of the Disney loan payment on her card so that she earned 60,000 points (FYI, we used my SW rewards in January- my husband, daughter, her boyfriend, and I flew roundtrip from BWI to MCO for a grand total of @ 29,000 points!). I put the bulk of the loan on my new 0% for 21 months Citicard (ordered the card specifically for Disney loan payoff purposes). Paid off the small remainder of the loan with my Disney VISA. All card transactions were listed as "purchases", not as transfers-so no transfer fees. I had to really study this crazy transaction, none of this would've made sense if I burdened myself with a ton of credit card debt. After all of the card wrangling, my family ended up with @7-8 free SW round trip flights to Disney, Disney VISA rewards, and zero interest for nearly two years, on top of becoming DVC members. Truly magical! Full disclosure, we bought a small, affordable number of points, we paid off the SW and Disney cards with savings, and will nearly pay off the Citicard balance in 21 months (with some extremely frugal living!), the remainder will be paid with a new, low interest home equity line.
This was a little complicated, but it worked out well for us. I would've paid with the cards at the time of purchase, but I was unaware of that option. Live and learn. And now I'll say what everyone says-I really wish we would have become members a long time ago!