<prompt> Human: Okay, without a backstory, heres my current situation: My partner and I make a decent income a little over 100kyear, but we have approximately 10k in credit card debt, spread over 3 cards: 1,883 on a card with 14 interest, 2,500 on a card with 18 interest, and 5,300 on a card with 0 interest until next April. I got an email this morning from Mint, letting me know that I was eligible for a Lending Club loan. At first, I thought it was a scam, but I generally trust Mint, so I decided to check it out. After entering my information, I found out that I can get a loan with 8.49 APR to pay off the two credit cards with interest, so I would be paying 155 for 36 months and probably making extra payments, so we could get it paid off earlier. Then, we could throw any lump sums of extra money we get I freelance on the side, my partner has a part-time job, we usually get annual bonuses to the zero-interest credit card and try to get that paid off before the interest rate kicks in. Im seriously starting to consider this, but not being financially-minded, I dont trust my instincts. Is this a good plan? Is there some hidden information that Im missing? Do any of you have experience with these type of loans? How did it work out?  <response>: Yep, getting a low interest loan to pay high interest debt will save you money, because math. The question is: is the effort to implement this, and the risk of setting up the scheme, worth the money youll save? Your total debt is relatively low compared to your income, so if you make a concerted effort to just pay off your debts, you could do so pretty easily and quickly 