Reply #8: Some good replies above...

[Lakerstan]

I work in the Finance industry, and I'd first agree that if you get a zero interest credit card offer for the life of the balance, it is ideal. Be careful of two things, however:

1. A balance transfer fee may cost you more than you would save by transferring the balances. Figure that out first.
2. If you are late even once, your zero interest offer could skyrocket. Be sure to pay on time!

If you can get a personal loan for less than 11%, go for it, but again - watch for fees (including pre-payment penalties). I doubt you'll be able to find one with that low interest rate, however.

Family and Friends are always good - they don't charge late fees :-)