<prompt> Human: I have been in graduate school for 7 years, and I am finally finishing this semester. My entire time in graduate school has been free tuition waived and Ive been earning a stipend, which is enough to live on, but just barely. For most of my time in grad school, I was debt free, but lately life has been getting more expensive e.g. car repairs, insurance, travel, doctors visits, suit for job interview, etc., and I have perhaps irresponsibly put a lot of this on credit. Its about 4000 at 21 interest. I have no savings.I have about 20k in student debt left over from my undergraduate studies. All payment on these loans is deferred until I finish grad school.Im wondering if its possible to take out a new student loan in the last semester of my graduate career to pay off my credit card debt at a lower interest rate. I have a relatively good-paying job lined up after graduation, so I am confident I can pay this off, but for the next few months it would be a huge relief to stop paying these credit card bills. It would also be nice to free up some of my credit limit for any emergency expenses that might come up before I graduate.I havent had to take any loans as a graduate student, so Im not even sure what the process is, or if its legal to get a student loan for non-educational expenses.EDIT: Thanks for all the comments! Not sure why everyones so concerned about bankruptcy. I mean, I suppose anything can happen, but it seems pretty unlikely at the moment. Im just looking for the most efficient way to pay off these debts.  <response>: So I did this and it works well. Look for a card with no interest rate for 12 months. Look and see how much a balance transfer is some have 0, some 3 some 5 etc.. So, at the time you do the balance transfer, youll owe a one-time balance transfer fee. Chase Slate has 0 intro APR AND you do NOT pay the fee for transferring the debt, its free. Or, you could get something like Citi Double Cash because its a very solid card for spending, you get 2 cash back on each dollar spent. Its 1 when you buy, and 1 when you pay off that dollar. It can rack up points pretty fast, which is a nice little bonus. There are tons of other rewards cards out there, so have a look around I also like Chase Freedom Unlimited 1.5 cash back on purchases. Make sure to understand that if you have say, a Wells Fargo card, you CANT transfer it to another Wells Fargo card, you need to switch to another bank for the balance xfer. Hopefully it helps! 