<prompt> Human: Im thinking about getting a credit card and doing a balance transfer on a student loan 3000. Im interested in these 0 interest cards that offer 12 months before the interest kicks in. Has anyone done this method before? Does anyone know of any problems with that method? If it works out well, Ill be paying off the loan, taking out a different card at 0 and do that on my other student loans also. Thanks!Update: Thank you for all of the responses! It looks like its possible to do a cash advance, but the interest rates are too high to justify doing it. Also, you cant to a balance transfer on student loans. I grind a lot in video games, so its time to do that in real life. Assistant: Thats discouraging. Im paying high interest on these loans some around 5-6 which is fine.. but others are closer to 11-12, so I was hoping to find a way to knock them down a bit. Im not really able to save much throughout the year, so I just put my tax returns on the lowest balance every year. Doesnt feel like Im making much headroom though.Human: so I just put my tax returns on the lowest balance every year.To save the most money, you should be putting that towards the loan with the highest interest rate.two different schools of thought. you can use unbury.me to see how the two methods compare.Assistant: The loan with the highest interest also has my highest balance 15,000 so, to me, it makes more sense to put it on the lowest balances and use the money Id free up on the next lowest balance. Ill check out the unbury.me though. Thanks!  <response>: Its not the mathematically optimal way. You will always save the most by paying off the highest interest loan first. 