reft:

Appreciate the detailed response.... You are right... I could put it in my sock drawer... I am honestly just trying to pay this off and not get hit with the apr fees if that makes sense....

I bought a new car recently and the only reason was it was 0% APR and the used one I looked at the best I could get was 2.9% the difference in payment was 26 bucks a month, and I can easily justify to myself why I should get a 2013 instead of a 2012.

I am just trying to erase bad debt so in a few year I can rent my townhouse and buy a house and have that money as a downpayment..

Hopefully that makes sense... if I do do a BT of say half of the 13k, what are good options to go with ?