I have said in several times to all who care to listen -- I don't recommend going into unreasonably high debt just to remodel your kitchen.
Give me a break -- it's not a life or death event, is it? Why should you spend tons of money and even go into huge debt just to remodel your kitchen.
As far as I am concerned, it's unnecessary, especially since the kitchen isn't falling apart in the first place.
Remodeling a kitchen should be done when you have the funds or when you can spare some funds, without running into trouble.
If you must borrow money to do this, then you should ensure it's money that you will be very comfortable repaying when the time comes; and ensure that the interest on the loan isn't too high.
I see many people doing the exact opposite of this and it ends up crippling them financially.
Don't let this happen to you.
If you must remodel your kitchen and you can't afford the huge funds involved, then why not spend little but still get the remodeling done.
Yes, you read that right.
You don't have to spend a fortune to do this.
There are very low cost appliances, fixtures and the likes that you can get for your kitchen that will still give it the beauty it deserves.
Who ever said cheap means low quality all the time? Most importantly, you owe yourself some peace of mind -- don't do what is too much for you to do, especially as far as funds and finance are concerned.
Money can be very disturbing, so it's important that you spend money RIGHT, kitchen remodeling or not!