<prompt> Human: Hi All - As my headline suggests, I have 25,000 in credit card debt as I tried to start a business up. My APR is now at 15. Im 27 years old and I dont have a 401k set up yet. Id like to attack this in a smart way as Im now making 80,000year. Id like to start saving for retirement, but should I attack all the debt first before doing so? Also, I was thinking to save up over 25,000 first and pay off all credit card debt in one payment. Meanwhile, Ill be paying credit cards at minimum payments. After my apartment rent and business expenses, Im left over with about 3,500month. Does anyone have any suggestions on a plan of attack for this? I hate the thought of having debt linger over me. Thank you all!  <response>: Apply for Chase Slate: Transfer all debt to that card at 0 fee 0 interest, pay it off before the 12 to 18 months are up. 