<prompt> Human: I know, this seems like a terrible idea on the surface, but hear me out. Im in the process of a separation and am saddled with way too much unsecured debt. I know that I will have to file bankruptcy sometime in the next 2 years or so. My thought is if I get cash advances on my CCs and then use that money to pay off most of my 60k of student debt, I will be in a much better situation 7 years from now once my credit is rebuilt. Theres no way I can come close to paying most of that off in 7 years anyway and those payments are affecting my monthly cashflow considerably. Would love to hear thoughts about this idea and the legality of this- I understand that typically any large spending activities within the last 90 days of filing bankruptcy can look questionable, but Im not going to file until a year or two after.Assistant: Cash advance APR is generally around 24 where as your student loans are probably in the 3-6 range. In no circumstance would this be a good idea.Human: I get that. But that 24 debt would be discharged in approximately 18 months from the time i incur it 12 month waiting period and 3-6 months for chapter 7 bankruptcy. Still would be a whole lot less long term. Unless Im missing something.  <response>: A couple of comments here mention that it wouldnt be allowed to be discharged because they would realize the money went to student loans.Additionally, are you aware that the cash advance limit is a small fraction of your actual credit line? It can vary by issuer but sometimes its a tenth or quarter of the line, so thats another way this is impractical. 