<prompt> Human: Hey all,I currently qualify for 5000 of subsidized loan. I only need 3600 of it but I also have 1000 in credit card debt at 15.5. Would it be smart to pull out more of the student loan at 6.8 to pay the credit card debt?Note: The student loan rates dont go into affect until 6 months after I graduate. I also plan on going to graduate school so that means more loans in the future. As of now I have approximately 20,000 of student loan debt.Thanks!  <response>: Borrowing money to pay off standing debts really only makes sense if you can say for sure that you arent going to get back into CC debt. No point in clearing he credit line only to build it back up.If I were to do this I would also be cutting the CC up, but Im a bit crazy like that. 