No. of Recommendations: 4
for six months, I'd choose c) grab the 3% reduction in interest and a) PAY it off

Motivate yourself to send money to the credit card company. You can send money more than once a month when they bill you. Maybe make the minimum payment automated.

Find the last three bills and make a chart of how much you paid in interest. (As you reduce the balance, the amount of interest will go down).

Think like a starving college student - can you find free food? take up a cost-free activity (set a walking goal for the next seven months OR play a musical instrument you own or can borrow for 40 minutes a day OR learn traveller's conversational Spanish or Mandarin or Croatian)? visit the library and park and waterside frequently? Write heartfelt cards to give instead of gifts for the holidays?
Spend just as little as you can in the next 10 months and see where you end up.
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