I've been lurking on the board for a few weeks and am finally surfacing to say hello and ask for some input.Here's my situation. I currently have $2800 in CC debt at 4.9% (balance transfer rate) and $7000 in a student/career training loan at ~8%. On the loan I'm 2 years into a 15 year term. I put 15% into my 401(k) (not matched) but due to a recent bout of short-term unemployment, have no savings or efund to speak of.However:I am planning on selling some stock next week that will result in around $2000. Also I am expecting a reimbursement for unemployment benefits of around $2000. My current plan is this:Put the $2k from unemployment reimbursement directly into E-fundPut $1000 from stock sale toward credit cardPut $1000 from stock sale toward student loanFind a credit card with a low fixed balance transfer rate and transfer the rest of the student loan to the card. With a $100/month payment at 5% interest, I can pay off the loan in about 7 years instead of 13. I have been making payments of $100/month on the credit card. What do you all think? Any other suggestions I haven't thought of? If I raise my credit limit on my current card (shouldn't be a problem) I can transfer the student loan to that card. I think the interest rate for balance transfers is 4.75% right now. Unfortunately my job situation is precarious so I want to make sure I have at least a bit of an efund available. Thanks! looking forward to contributing rather than just lurking :)~Lisa
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