<prompt> Human: I have currently been looking to get a credit card to pay off my student loans with 0 interest. I have found the New Slate card from Chase with the help of redditors that will offer me 15 months of 0 APR as well as NO balance transfer fee which was exactly what I was looking for.My first question is regarding what sort of credit line they would be willing to offer me. I have no credit record so I am assuming I have no credit score currently. I was fortunate enough to get a good paying job upon graduation and I only have 12000 in student loans which is relatively low. So I was wondering will a high salary alone be enough to warrant offering me a high enough credit line to pay off this loan.Also if I am fortunate to be given a 15000 credit line, is it a bad idea for the long term of my credit score to immediately be using 80 of the money on my balance. I understand it will definitely not be good for the short term of my credit score but if I am able to pay it off quickly will it have any substantial long lasting negative affects on my credit score.Thanks in advance for any advice and suggestions you may have.  <response>: You are going to have a difficult time paying student loans with a credit card. The system is generally structured so that you have to use a cash advance to make a payment like that, which generally have extremely high interest rates and interest starts accruing immediately. I would be pretty amazed if you were able to find any way of doing this that doesnt involve a cash advance.Why are you wanting to do this? Doing so really only makes sense if you can pay off the loan within those 15 months, or very shortly thereafter. 12k in Stafford loans are going to accumulate 800 in interest over the next 2 years Thats really not that much. I would say that paying 800 bucks or less if you do pay it off in the 15 months is worth not hurting your credit score right out of the gate and not losing all of the protections that a student loan gives you over revolving credit. Especially since the main complaint about student loans is that they cannot be discharged during bankruptcy, and a bankruptcy judge would see through this immediately and you could possible get in trouble for bankruptcy fraud. Otherwise, it really is not that bad of debt to have, given how flexible they are and that it is at a fixed and relatively low interest rate. 