<prompt> Human: I have 2,363.74 on my Amazon card and have been making about 200month payments. According to my latest statement, making 99month payments it will take 3 years to pay off. I didnt know what I was doing when I got this card, and I definitely over-spent my ignorance, they approved me for 2500. The reasoning for why I spent that much is irrelevant for this discussion. Im wondering if theres a better option for me to pay this off, like transfer the balance to a different credit card with a lower interest rate than 26.Ive done a lot of reading on this sub and its triggered me to get my finances into shape. I dont want to live paycheck to paycheck any more and the feeling of debt looming over me isnt a good one. I setup Mint last month and began tracking my expenses. At the end of last month I set some reasonable budgets and this month is my test run to stay in it. Before I was just flying blind, spending if I had money and cutting back if I didnt. What should I be looking into to make sure Im financially organized? Ive read a lot about roth iras here and Im really curious if I should look into that yet.Im 23, 5th year in college. I have about 33k of student loan debt so before I leave school graduate this May the last thing I want is to have interest piling up from an Amazon card while Im making payments on my student loans. I bring in about 600month working an on-campus job while I take classes. Im completely maxed out for work hours 25hrsweek due to the new Obamacare rules so thats the most I can work make a month.tl;drshould I can I? transfer amazon store card balance to a lower-interest card, and what else should I be educated on at this point of my life financially?  <response>: The reasoning for why I spent that much is irrelevant for this discussionPay 400 for six months and its done. Get another part time job or take care of peoples dogscats when they go on vacation. 