Everyone is correct here, esclpiaely the worries of the Advisor.  If you're transferring to a card that already includes a balance, this is a very bad idea.  They will hold the transferred balance and require you to pay the balances  in order of appearance  meaning that all your payments will be applied to the transferred balance ONLY WHEN your higher interest current balances are paid in full.  Transferred balances are almost always held until last.You'd be balancing on a fine line.  You'd lose all tax benefits on your student loan interest. You'd be praying you could pay it off without losing your job, having an emergency of ANY kind, and putting a massive hit on your credit score.   A part of your credit score is based on credit extended to you vs. how much you've used.  For example, you have $5K in loans and a new $5K credit card with 0% bal. transfer.  You appear to have 5K in credit with 0% used. Great!  Then you pay off the loan with the card.  Now you show to have 5K in credit with 100% used.  Loan companies might notice that you used the card to pay off the loan, but your score will still show a heavy user.  Card companies will frown a bit because they will label you as a transferrer and not a user.  They will gladly accept the 5K transfer, but that is not the reason they gave you the card.  In the future, if you beging to transfer balance from card to card, companies will turn you down because they will not see you as a profitable customer.  They might not tell it to you in those exact words, but they can do that.

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