Should I pay off my credit card debt with a student loan?

Stupidly I racked up my credit card to its limit (2 k) in the process of moving from 1 college to the next. Although I work fulltime and go to school fulltime I cannot afford to pay off all my bills and necessities as well as over the minimum payment of my credit card. Annually since starting college I take a few thousand out for helping covering school expenses. I was watching a program in which it said taking a student loan is better than using a credit card on expenses because of low interest rates. So- would it be wise when I take out a loan to go ahead and pay off my credit card debt because of the loans interest rate?

Should I pay off my credit card debt with a student loan?

DO NOT TAKE OUT A STUDENT LOAN TO PAY OFF THE CREDIT CARD.

With a credit card, you have options in possibly getting rid of the debt should you fall on hard times... with student loans, they aren't forgivable, they aren't negotiable... you pay in accordance with the terms the lender sets and you agree to...

Keep the credit card... call the company and negotiate the interest rate... or open a new card with a lower rate.

Should I pay off my credit card debt with a student loan?

A lower interest rate on what you owe is better.

Should I pay off my credit card debt with a student loan?

try calling the cc company and offering to settle, or ask if they'll lower the interest rate

Should I pay off my credit card debt with a student loan?

You work full-time, so start paying your bills.

DON'T GET A STUDENT LOAN

otherwise you will have a student loan, AND A MAXED OUT CREDIT CARD...that is just the way things work.

Should I pay off my credit card debt with a student loan?

Yes, you should take out the loan to pay off the debt. College is stressful enough without worrying about finances. Evidently the debt is on your mind, you wouldn't have written this post if it wasn't. After you pay off the credit card, cut it up. Don't close out the cc, this could negatively affect your credit score. Just cut up the physical card. The temptation is too great to max the card out again. So, CUT IT UP! You can get a replacement from the company when you have gotten over the habit to swipe. Student loans are in place to help you live while you are school, but you have to remember to accept the sacrifice of being a full time student and train yourself to live below your means. Working full time, you should have enough $$$ to live, as long as you live like a student. Remember, once you pay this off you still have the debt. It will not go away. It is just in another form, waiting for you to pay. However, the student loan will give you the opportunity and the flexibility to make payments now. But because student loans are deferred for up to six months after you graduate, you don't have to make any payments while you're in school if your budget doesn't allow.