<prompt> Human: I am paying off debts in order of interest rate highest to lowest and this sucker of 2300 with 25.45 APR is screaming at me. I can afford to pay 400-600 a month, and should have it paid off within 4-5 months. But is that the best I can do? What are my options for a lower interest rate, and are they worth exploring vs. just paying the thing off? Also, how will paying off a debt with a higher APR influence my credit score, if at all? I searched the sub, but I didnt really find a cohesive answer for my questions. And before I get the lecture I have seen many times on this sub, the loan came from purchasing a new bed because the 50 year old gal we were using bit the dust, and the mattress was horrible.I appreciate any and all advice. I am obviously young and dont have a lot of experience with personal finances, but I am trying to learn!  <response>: transfare it for 3 to zero intrest card 