<prompt> Human: I have about a 3.5k student loan that has an interest rate of about 9 and I was thinking of paying it off using my credit card with a rate of 7.25. This would obviously save me some money, but Im worried that this would damage my credit since Id pretty much max out my credit card and Im not sure how credit rating agencies look at revolving debt vs. student loan debt. Anyone have any insight to this? Thanks.edit: Sorry. Forgot to mention that my credit card is offered through my bank who will give me cash advances at the same rate as purchases. So I would put that advance into my checking account and pay the loan in that manner. I would not be paying the minimum, but about 500mo. I just figured that moving to a lower interest rate would save me some money in the 6 months to a year that it would take me to pay it off.  <response>: No, this is a bad idea. The loan is predictable and doesnt have any hidden fees you arent already aware of. In the best case scenario you save 50. If something comes up, then youll end up with a big cc balance after the intro rate ends. 