<prompt> Human: Here is the problem. My wife and I have a Sears Mastercard. We have had the card for a little over two years. We got the card on the 24 months no interest if we spent enough money, which we did and paid that off within the first two years. Then we racked up some charges after some unfortunate events occurred, including my sister passing away and some unexpected medical expenses. Current Balance is 6,300 and the current interest rate is 25.24 YIKES. So the interest is killing us right now. We are paying at least 100 a month in interest. I have several options for balance transfers. That info is below. Balance transfer options0.00 Promo APR Until 05012016.25.24 Variable APR After 050120163.99 Promo APR Until 01012017.25.24 Variable APR After 01012017Either 10 or 5 of the amount of each transaction, whichever is greater, but for this offer, until 04012015, 149 maximum.What other options do we have besides the balance transfer? My wife and I both have solid credit scores. I know we cant pay off the card in 14 months so I know we will be back in same situation come May 1st, 2016 if we do the balance transfer. The most we can likely pay is 150 per month on the card. Im not worried about ever missing a payment as I will set up auto pay, but would like another option that sets up 24 months interest free or maybe even another card to help pay for it if thats an option. Assistant: Believe it or not there are some 0 fee 0 APR balance transfer offers out there... you need to find one of those. I think this is my wakeup call too... because I keep seeing them and not taking action.Human: 0 fee 0 transfer isnt available to everyone. It depends on score and situation. I would always take 0 apr. Figure out how much you can pay to the principal between now and the apr expiration. Most likely by then youll receive another 0 offer and you can transfer again. Ive been paying 0 for 3-4 years paying off debt. Assistant: That was my next question. In 14 months will I get another offer for a balance transfer.  <response>: Theres always a balance transfer offer to be had. But right now literally any card you can move that balance to will be better than the situation you are in, even with that 5 fee.But lets be real: if you have 6000 in debt at 25 and the most you can manage is 150 per month, you need to take a serious look at your spending and go into debt emergency mode Otherwise, youre going to be paying off that 6000 for the next 5 years.You need to cut out anything from your budget that is not essential and pay that debt off. Because if you dont, its going to continue to grow at 25 and suck you down. 