Are balance transfers worth it
I would suggest that if you're facing difficulty to repay your loans in full, you can opt for debt settlement. Since you're saying you don't have any savings, you need to save a significant amount every month. For that, you need to get rid of your credit card debt early.
When you enroll in a settlement program, you just have to pay an agreed upon amount to the settlement company every month. All other things will be taken care by the settlement company.
A $14,000 debt is quite a big amount since you're not able to repay it entirely.
Check this out: https://www.debtconsolidationcare.com/debt-settlement.html
Thanks for giving such a detailed explanation of your problem. Yes, it's unfortunate that you really got a small amount on your balance transfer card. The reasons can be many. The first reason can be that you didn't have enough credit to transfer. The second reason can be that the credit card company doesn't give more than this amount.
Anyway, instead of taking out another balance transfer card, you can do one thing. You can enroll in a debt consolidation program to pay off your credit cards. The problem is the high-interest rates. That is eating your savings, A debt consolidation program helps to lower your interest rates. So, you can really save money. Why would wait until fall? Frankly speaking, after the pandemic, everything is uncertain. So, it's better to not plan anything based on the future.