You might want to talk with Scott about getting all that data in password-protected files. (1Password might be a good tool - it can hold all sorts of different data, and if you and he both knew the password to the file, he could put things in and you could pull them out if needed. Not just passwords, but social security numbers, account numbers, credit card numbers, notes about things, etc.)

Also, ugh. Getting a "financing fee" up front for the interest means you can't save any money by paying it off early. That bites. Is it worth seeing whether a bank/credit union can float you a more friendly loan?