<prompt> Human: Im assuming yes, but I figured I might as well ask. I have a car loan of 8300 original loan 29.5k at 0 interest for the life of the loan. The payment is 500. If I refinance, I can get the payment to around 200 but then Im obviously paying interest. That extra 300 would go towards paying off credit cards that will have a high interest at the start of 2018 currently on a balance transfer offer of 0.  <response>: If you refinance the auto loan today 4 for 36 months that will be about 550 in interest.Whats your projected 2018 card balance... take 3 of that amount and thats worst case what youll pay to balance transfer it to a new 0 card if you cant find a 0 fee balance transfer offer. 