<prompt> Human: I owe 3k. I could take this loan to pay that off and make some much-needed repairs on my home. Would this be worth it?EDIT:Solved the problem by working out a balance transfer to Citi Simplicity, no interest for 15 months on it. Small Fee.Closing two cards and moving my available credit all to one card.  <response>: No.If you only have 3k in debt, you shouldnt be taking 5k to pay it off. You need to just pay down your debt instead of moving it around.Home Repairs should not be paid on debt. You need to save up unless its something that will cause larger problems down the road ex: furnace breaks leading to pipes bursting.If you want to take out a 3k loan at a lower rate to pay it down that would be acceptable, but I feel as though you may end up taking on more debt later on.You need to solve your spending problem and just pay this down instead of playing games with it as you may end up running up your CCs again. 