My entire strategy is dependent one one piece of information from

**Reply #2**.

Two-Year Plan

Choose a two-year loan payment plan. That’s monthly payments of $670. That would mean over the two years I

*would* pay total interest of $1,085 however at month 6, with 18 months left on the loan, I transfer it to Discover it or Citi Preferred card with 0% APR for 18 months.

I don’t know if using the check method from post #3 incurs any fee so I’ll assume that it does incur a fee of 5%. That results in a fee of $571. Remaining interest would have been $765. Saved $194 if there is a fee, $765 if there is not. To pay off the remaining $11,438 I’ll only need to pay $635. Total costs are

**First 6 months: $670*6 = $4,020**

Last 18 months: $636*18 = $11,438 (+fee of $571)

Total: $15,458 (or $16,029) over 2 yearsOne-year Plan

Choose a one-year loan payment plan. That’s monthly payments of $1,296.5. That would mean over the year I will pay total interest of $558. If I transfer it to Discover it or Citi Preferred card with 0% APR for 18 months I’ll assume that it does incur the balance transfer fee of 5%. That results in a fee of $750. That option is off the table. If there is no fee, I can spread my $15,000 payments over 18 months rather than 3, dropping monthly payments from $1,296.5 to $833. Total costs are

**12 months: $1,296.5*12 = $15,558 or **

18 months: $833*18 = $15,000 (with no fee)So I have a choice of paying $15,000 | $15,458 | $15,558 | and $16,029

To be honest, I like option - two years if there's no fee because I will be less strapped for cash.

The key from reply 2 is if that check comes with a fee or not.

Unless you all see something that I'm missing.