I just gave you a very clear easy way to accomplish all of and be debt-free by end of this year. Ok enjoy your debt. You asked for advice and as typical the in debt folks always have some mathematical solution to their problems. If you were so good at math you wouldn't be in debt. Chances are you have no way to afford the payments I laid out because if you could you already would have done that. If you were serious about paying off debt then foregoing an AP would be an easy decision. Seeing as you consolidated multiple cards on a balance transfer your priorities are clear. You were not looking for advice you were looking for others who are in debt to agree with your poor decision. By your math, you will make a whole $161 off that $10k and choose to keep $14k in debt...lolololol. Yikes.
Dude, get out of here with that attitude. My gosh.
Guess what...I can totally afford the payments you laid out. I am putting $3000-4000 into savings every month. LOL. And I will make way more than $161 in interest this year as my balance increases. I project to have about $25k left over after I make those payments in December. The additional $14k will pad the interest payments nicely until then.
Our financial situation and monthly expenses have changed drastically in the last few months. You have no idea what you are talking about.