<prompt> Human: I am 22 years old and have about 5400 in credit card debt. I work part time and go to school as well and was thinking of taking a loan out to pay off the credit card debt. I am not really sure what I am getting into. I get direct stafford loans from fafsa but thats to cover tuition  <response>: It ONLY makes sense when the APR is low AND you have the restraint to not rack the debt back up on the CCs. 