<prompt> Human: After great advice from the last discussion I posted, I decided that I only want to refinance my private Wells Fargo loan. The reason I cant use SoFi is because my private loan is only 6,200 at this point and they have a minimum of 10k debt required. Can anyone suggest a company that I can refinance this terrible 12.59 APR loan with. Any and all help is appreciated. Thanks!  <response>: Do you have decent credithighish credit card limits? Given that horrible rate and low balance, you could use a balance transfer check from one of your credit cards. The fee is usually 3 and then interest free for 6, 12, or 18 months. So youd pay 186 to transfer it and then no interest at all if you can get it paid off in that amount of time. This method becomes cheaper than your Wells Fargo loan after 87 days. 