 TITLE: Is There a Limit on Balance Transfers? CONTENT: What Are Balance Transfer Alternatives?\n---------------------------------------\nIf a balance transfer isn't the right option for you because you either can't qualify for one or the cost would exceed the benefits, there are still some alternatives to help you reduce your credit card debt. For example, you could try contacting your card issuers to see if they will offer you a lower rate on your existing balances. You can also consider a debt consolidation loan, which is a single loan with a lower interest rate than you're paying on your card balances that you can use to pay off multiple other outstanding balances.\nAnother option is a debt management plan, which is where a credit counselor works with your creditors to reduce your monthly payments and interest rates, and possibly even waive penalties. Debt management plans are especially geared to those with a large amount of debt. END