<prompt> Human: I want to pay a student loan down with a credit card. I have capital one 360, and it is interest free for 18 months. If I put 1000 of credit to my loan, I would pay a 15 service fee, but after 3 months I would save on interest. I could make minimum payments, or even just leave the balance in full, interest free. Would this affect my credit score??  <response>: Student loan servicers very rarely accept credit cards, and if they do, its treated as a cash advance by your credit card company, and therefore not subject to the 0 APR offer if you check the fine print, it will be for purchases and maybe balance transfers only.And even if it was possible, this wont have any real effect on your score. Both accounts are open, and both accounts are paid in full and on time. The specific payments made dont affect your credit score. 