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My credit card (same bank as the loan) sent me balance transfer checks at 2.9% APR for as long as it takes to pay it off.

Is there not an administrative fee to use the check? I've gotten these in the past and as far as I can recall there is a minimum administrative fee of something like $15 or 5% of the amount transferred, whichever is greater.... something like that. At 5% that would be an extra $1250 in interest paid up front! Now maybe you get better offers than me, but I encourage everyone to read the fine print before filling out one of those checks.

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