Credit card balance-transfer offers and personal consolidation loans have long been tools people use to manage high-interest credit card debt. The general idea behind a balance transfer is simple: move an existing high-interest balance onto a new card with a lower introductory interest rate (often 0% APR for a promotional period), then aggressively pay down principal during that window. Historically, banks used promotional balance-transfer periods to acquire customers; consumers used them to reduce interest drag and accelerate payoff. The move can save substantial interest if the transfer fee and promotional window are managed correctly, but it carries risks — missing payments can trigger penalty rates, promotional periods expire, and acquiring new cards can affect credit scores temporarily. For a budgeter, the important mechanics are: confirm transfer fees, set a realistic payoff schedule inside the promo term, and avoid adding new balances to the old card. The question asks you to identify the primary benefit such a transfer offers to someone with high-rate card debt.