<prompt> Human: Hear me out. This is literally a shower thought of mine but could maybe work??!I start medical school in July. I can get federal direct unsubsidized loans for my living expenses in medical school with an interest rate of almost 7. I also have great 775 credit and could qualify for one or several 0 apr for 15 month credit cards. I have around 10k in savings rn in the bank, but that will be around 6-7k by the time school starts because of all of these weddings I have to attend dammit!Would it make sense to put my living expenses on one of those cards and then at the end of the 15 month period pay off the debt with loan money? The reason I thought this might be preferable is because with loans, the interest starts accruing as soon as you take out the loan. I thought that with this plan, I could limit the loan money I take out this year to just what I need for rent. This would delay the accrual of interest and if I did this every year, I would save several thousand dollars.If I make all of the minimum payments, will carrying a balance tank my credit score? Are there other downsides to this that Im just not thinking of?I was planning on just taking loans out for rent since I wouldnt want to pay that with a card but use the card for everything else I tend to spend 800-1000 month, im trying to cut that down but am struggling. I am so grateful to have a full scholarship and do not need to take out loans for tuition or fees.  <response>: I am an M4.Dont do this. Its a lot of hassle for what its worth, you will be tempted to overspend with the cards and are limited by how much you can borrow per semester and could come to a point where you cant cover the whole amount at one time. 