I have a balance owed to the hosp. for $4587.87. I hate this debt and want it to go away. Some of the charges are from over 2 years ago when my son was admitted for one week. Emotionally, I hate this bill. The hosp requires a min. payment of $200/month. They will not lower it, and in fact it used to be $100/month but they called and told me they needed more per month because my balance was too high. Anyway, I have a Visa card with nothing on it, and a Discover card with nothing on it. My Discover card has a 0% interest for 12 months balance transfer offer. Does it make any sense to pay the hospital off with the Visa, then transfer it to the Discover? It would lower the monthly minimum payment, but obviously I would still need to pay it off or transfer it again after a year. And I'd have to pay a 3% transfer fee. I am really tempted to do this, so please tell me why it is a stupid move. I am a master at transferring balances, but a loser at paying balances off.