<prompt> Human: Ok, a little back story here since I dont know all the facts. Just had a discussion with my fiancé and it came up that she put all the outstanding student loan debt from her Physician Assistant program on her credit cards to pay off the student loans. Problem is, she still has that debt, only its in the form of credit card debt. When I asked about this, she said the credit card rate was lower than her student loan rate so she put it on there instead of keeping it outstanding as a student loan.I am very suspicious of her financial logic here, especially since she told me at one point to not pay any of the fees my apartment complex charged me for breaking my lease and to take the hit on my credit and let them try to send it to collections. To me, this all seems really irresponsible, as she said she does take a hit on her credit score for the outstanding credit card debt. Also, I know of NO credit card that I is less than the 6.2 APR student loan that I still have, my lowest credit card is 17! I am wondering if perhaps she looked at the minimum payments for the credit cards and saw that it would be lower than the minimum payment for the student loans and thought this would be a better option. My question is twofold here, first if this can be a better option like if there is another fee schedule for long term payments that I am not seeing and second if not how can I convince her that it isnt?  <response>: Oh boy.Oh boy.In theory, transferring balances to a lower rate is the optimal strategy. Youre refinancing at a lower rate to pay less overall interest. Introductory rates are just that, once the promotional time is gone, the interest rate will explode. Odds are her loans will not be paid in full by then, and she will owe a lot more. Factor in the anecdote about your rental company, and one might conclude that she sees non-payment as a legitimate strategy. And if that is the case, that goes beyond finances and into character, and you should ask yourself some hard questions about the future, because trying to change people is a losing proposition. 