It sounds like you are asking about doing a balance transfer to get zero interest for the introductory period? This won't hurt anything but if you are really hammering that 7k the way you should be in baby step 2 the savings in interest will not be very exciting compared to the extra payments you're making. If you want to share some more details we can help you run the numbers to really make sure but normally a balance transfer is not something I would fool with. If you want to, tell us your monthly take home pay, the current interest rate on this 7k, and your house payment or rent (this gives a rough sense of how much you have available to throw at debt).