The wife got a job at a bank. Bank employees can get a bank account with an overdraft of $30,000. So what we did was pay off all our credit cards and went into overdraft on the bank account. But the best part is when in overdraft the interest is 0.75%. So her paycheck goes in there and the paycheck deposited makes the payment. And if you need something just use the bank card. You stay in the negative until it's paid off but it's by far the best way and lowest interest that we have found. Everything will be paid off soon.