One of my goals for this year is to avoid any new debt other than my student loans. One of my credit cards has offered me 3.99% for life for a balance transfer with a max fee of $75. My Grad Plus student loan has an 8.5% rate. I haven’t done the math yet but by transferring $4900 of the student loan balance to the credit card I should be able to make up the $75 transfer fee fairly quick. Since this would actually still be student loan debt even though it is on my credit card it is in keeping with my goals in my mind. What would you do?