<prompt> Human: I owe 40k to my parents, to help with buying a property. They provided this from their own mortgage, so i am paying the interest as well.There are alot of deals at the moment for 0 Balance transfers.Would it be worth getting a 40k limit card, using paypal to pay my parents back, then doing a balance transfer?current interest rate is 4.8, Paypals fee is 2.5 i believe.Thx  <response>: I wouldnt. If you can manage to find a card that will give you 40k of balance transfer credit then you also have the balance transfer fee 3 is normal and the paypal 2.5. And, you have to pay the whole mess off in 18 months or less or youll be paying credit card rates instead of 4.8.Youd be better off shopping for a 10 year home equity loan at 2-3. Simpler and fewer places for things to go wrong. 