I have paid off CC1 by way of the loan first and then the leftover interest as soon as the statement got posted online. Which generally means that my next statement will show a zero balance. Part of me wants to wait for proof that there will be a zero balance statement March 20th before proceeding. The other part of me is certain that there is nothing left of the regular balance and wants to do a balance transfer immediately.

The next step for me is to transfer my consolidation loan from my bank to my credit card that I just paid off. Interest rate at the bank, 14.45% Interest rate of balance transfer, 3.99% until paid off plus 3% one time charge. I intend to continue making the same amount of payment that I had been making on the loan onto the credit card.

Of course I also plan on requesting more than the balance of my loan because the actual payoff will be more than is listed as current balance and I need a buffer in case my brother's GI bill doesn't kick in. If it does, rock on and I'll take that buffer and pay it towards my new loan. If it doesn't then I can still support him for a couple of months and he'll pay me back with interest as soon as possible.

Do I wait until I am certain that there is no residual charges that will be acruing interest at the regular rate? Or just jump into it now and get the ball rolling?