<prompt> Human: Recently I started getting monthly 45 advance cash purchase interest fees on top of my normal 60mo interest fee. Had no idea what that was and discovered its a different rate of interest on purchases that are older i think 12mos in my case. This is because Im stupid and have had a balance on this card for years. Its what helped get me through college. Im not using this card anymore cut it up months ago and paying 100mo in interest and I really cant afford to pay more than 300mo right now, so Im treading water. need to transfer this balance. My question is, whats the best financial product to use? Ideally I need a low rate because I cant throw a bunch of money at this right now. I got an offer from my credit union for 8.74 rate, no annual or balance transfer fees. I have good credit 720 so I feel I need to shop around and find the best rate. Should I also consider other offers like, no interest for a year? I dont anticipate paying this off in a year however so I dont know what options are best to consider. What about a low interest personal loan? I keep reading mixed reviews about them; does anyone have experience with these?Given my circumstance, what are some good options to consider?Thank you!  <response>: Best way to pay off the debt; balance transfer, personal loan, etc?you cant pay off debt with more debt. this might save some money on interest which is cool but doesnt get to the root of the problem. just shifts the problem to another bank. 