<prompt> Human: Debt:2500 0 APR 18 month promotional deal with Apples Barclaycard. I was paying it off until I had sudden large expenses and the deferred interest deadline ends on January 2nd. If I dont refinance, I am going to earn about 500 of deferred interest on January 3rd, and the debt will continue to grow 20 every month afterwards.1350 Paypal credit payment. My 0 interest is set to end very soon, and deferred interest will kick in as well as the predatory interest rates.Bottomline, if I dont get refinanced, Im going to pay a ton of deferred interest. I am in between jobs with no savings broke college student, who is graduating in May, and I have until Jan 2nd to fix this.Ill respond to every question asked in the comment section. Help me cope with my financial irresponsibility. I have definitely learned my lesson, and I just want to come up with a solid game plan that can help me refinance so I can have more time to pay my debt while minimizing additional cost.  <response>: Refinancing isnt typically a term applied to credit card debt. It is applied to secured loans, e.g. car loans or mortgages, where you go to a new lender and they basically loan you the money to pay off your previous debt at a new, better rate. Your only opportunity with credit card debt is to do a balance transfer to a new credit card that has 0 APR. The best offer right now is probably the Chase Slate, which has a 0 balance transfer fee most other cards charge 2-3 of the amount that you want to transfer as a fee. In the meantime you 100 need to STOP putting new purchases on the cards. Cut them up and do not use them. You also need an income. Work part-time, sell your stuff, etc. 