This can be done several ways. Firstly if you have good credit standing then you should shop around and get a card offering 0% on balance transfers for the longest period possible and keep doing this at the end of any interest free period. You could also get a cheaper loan from the bank to reduce the amount of interest you have to pay. The likeliest scenario of course is that you are paying the minimum payments as you can not afford to pay any more, if that is the case then consider this; by paying the first month minimum payment at $60 and then instead of paying the slightly reduced minimum payment the next month you just keep paying at $60 per month always the impact on your debt is remarkable. The time taken to pay off the $3000 has reduced by over 33 years to just 7 years and the interest has reduced over $4000 to just over $2000. Of course any increase in you monthly payment can reduce this even further, pay an extra $20 per month and the time reduces to just 4 years 7 months and the interest will only be $1250.