Guess what? If you want to pay off debt, I have a really great guide that will help you. In this guide, it will tell you that getting out of debt involves a ton of hard work. There is no magic pill that will automatically get you out of debt. Balance transfers are NOT a magic pill that will get you out of debt automatically. However ... if you have high interest credit card debt, balance transfers can be a great way to help get out of debt. I've even used them to make sure that I was paying low interest rates as I got rid of over $400,000 in…