Several years back we had a loan that was about the same amount as yours, and payments were being made. We heard about a cc that offered 0 % interest for a time period, maybe 1 or 2 years if we did a balance transfer to them. All was ready to go and when it came time to do this we learned there was a fee, it was a percent of what the loan was. It was a good offer in spite of that fee. This transaction eliminated the high interest on the loan and gave us breathing room to pay off the new cc within the 0% interest period.