to be honest it depends how much it isI would look to roll it...

to be honest it depends how much it is

I would look to roll it over too a new credit card which offer a low % for balance transfers

But that also depends on how long you think it will take to pay it off.

Nobody here can give good advice unless they no your details, IE how much you owe, how much you make, dependents total wealth etc.

The last thing i would do is take advice off somebody who doesnt know my situation, your strategy for $100K debt will be greatly different to $5K