<prompt> Human: As the title states, I have about 5k in Credit card debt that is going to take me 10 or so months to pay down.Many cards offer a balance transfer at 0 interest for 18 or so months on balance transfers, despite a 3 transfer fee.Right now Im getting hit with 60-80 monthly interest charges.Would it make sense to transfer to one of these cards, pay the 3 fee 150, and theoretically have 18 months to pay this down at 0 interest?  <response>: It would. The transfer fee 150 would be smaller than the 600-800 in interest that youd pay over the next 10 months. 