<prompt> Human: I was forced by my grandparents who are stuck in the 1800s and believe that credit cards are the cheapest way for my school bills to put my 2500 tuition fee on my credit cards. It is about 25apr and I am already drowning in other school fees.I am asking for financial pros or anyone with advice, should I apply for a student loan through the government, through a federal credit union, or a bank, or just leave the money there and suffer the apr?The student one from the government has a 5 interest rate I believe, but would they allow me to use this money to pay the credit cards off?And yes, I am being completely controlled by my ignorant grandparents. I am 20f and dont want to ruin my credit this young. Please, any advice would be greatly appreciated.  <response>: You can use student loans for living expenses after your school takes out tuition. I would highly recommend using the remaining balance to pay off the cc if you dont need the money for living expenses. Id also close the cc if you are being forced to use it when significantly cheaper means are available. You are 20. Do what you feel is necessary to not ruin yourself financially at your grandparents bidding. Edit: I used early student loans towards a down payment on my home when I started school, but also worked full time making pretty good money as a FT student. 20hr 