Try applying for a credit card with 0% interest on balance transfers for a period of time. Typically the period of time is 8-12 months. Move over as much of the money as you can pay off for the duration.
BE CAREFUL!
If you leave any amount of money from the balance transfer, you will incur back interest from the time it was deferred.
My wife and I put $3,800 on a Bank of America credit card as 0% no interest for 11 months. Had we not transferred it, we would have been paying 20% interest. We were fortunate enough to pay it off in 9 months and have kept a zero balance ever since.
Just remember that if you use this method of reducing debt that paying off the balance before the promotional period is up is key. For future credit card purchases, look for cash back incentives.
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