<prompt> Human: I currently have 3.5K in CC debt on a 0 introductory rate that expires in February and wanted to know if its okay to roll it over to another 0 card. Some background info for clarification: -23 years old with a bachelors degree in finance -Good paying job but have been hit with a lot of unexpected expenses recently -1.5K in student loans due in March that I want to pay off in full to avoid interest -4K left on auto loan at 3.14 interest rate -Contributing up to the match in my Roth 401K -735 credit scoreI dont have the cash flow to pay off both the student loans and the credit card without stopping my contributions to retirement which is not an option at this point. Thank you in advance for any advice!  <response>: It does cost 3 to do a balance transfer but that would only be 105 in your scenario. I think doing a balance transfer makes the most sense. The other scenario that works is to open a new CC with 0 APR, put all new customary expenses on that card but dont pay it off yet and use the money that is freed up to pay down the old card ASAP. Then work on budgeting so your new CC is brought down to zero balance within the timeframe. 