<prompt> Human: Hi all,Ive searched up and down and didnt see anything close to my situation with my specifics. Similarly, because this situation is, I think, unique, I figured I would post here to see if anyone can help me out.Currently, I have about 20k in debt on a single credit card- thats the only debt I have. I have been paying roughly 400 month on the card to try an pay it off, but somehow it seems like the balance stays right at 20k regardless of what I do- the interest seems to be the culprit in this the APR on the card says 12.15 Prime 7.65. It feels like a two steps forward one step back kinda deal. I do have about 20K in mutual funds Trad. IRA at the moment and as I am sure most of you would agree with, there is absolutely no way I should cash that out to pay the debt...or should I? The idea being that once the debt is paid, I can replenish my mutual fund so I wont keep gaining interest and actually pay the card off? I also thought about trying to transfer the balance to another credit card with an 0 APR to start and try to aggressively pay it off. The problem with this is that with other bills, etc. I have enough to put some away in savings and then some for me.My credit score sucks right now at just over 600 due to some medical bills I am fighting at the moment.I REALLY just want to get this debt paid off and move on from it, I feel like its been years like this and I am throwing my money away.If anyone has advice, or more questions to clarify, please ask- I am begging you and want this to be done with! I am 35 and planning to move across the country at the end of the year with my partner to start a family and would like to knock off as much debt as possible.Thank you in advance!Edit 1: Mutual Fund is Traditional IRAEdit 2: I appreciate all the comments and suggestions...THANK YOU ALL! - it has been eye-opening for me. I have to step away from my computer for the rest of the day, but will try to reply to everyone when I get back and update with what I decide on as my plan of attack! Thank you!  <response>: If you were really paying 400 pm off it, and not undoing that by then putting new charges on, then you would be slowly heading in the right direction. More than half of your payment would be going to interest at the moment, but if you were honestly paying 400 the balance would be dropping and the card would be paid in 6 years. If the balance is not moving you are only paying about 200 per month off by the time you count new charges or fees.Step one is to actually pay the 400 you think you can afford or more. Make the payment every pay day. Stop using the card. Step two is to see if your credit will allow you to refinance at a lower rate. With good credit you could move it to a new card with a 0 balance transfer rate. With your credit you still might be able to improve on 12.15.In any case, 20K is not going to rapidly evaporate. Even if you really paid 400 and managed to find 0 interest transfers with 0 transfer fees it would still take more than 4 years. If you want it gone faster, you need to find more money to pay it by spending less or earning more. 