Auction off your loan. Get better rates

There is a huge and growing community of lenders and borrowers at Prosper.com. If you want to consolidate credit card debt, (a very good idea, you should never carry a credit card balance) or just need funds for other things, you can go to this site and tell your story and request a loan. People will bid on your loan (in $50 increments) and as more people bid, you interest rates falls. There are some real restrictions, and don't plan on skipping out on your loan because it's backed up with collection agencies. It also might be for you if you have money to lend. Instead of getting a few percent at your bank, lend it out for 10% or more.