Hi everyone. New to the site, and appreciate all the info. I've learned so far. I've gone from being broke and drowning in CC debt, to making a good living and eliminating nearly all my CC debt. I currently have zero balances on my AMEX ($45,000 limit) and BOA Visa ($35,000). I carry a small balance on my Discover card $7,000 w/ a $12,500 limit @ a 1.8% APR on a balance transfer. My scores: Scores: Mortgage App. of 08/07/2007 FICOs: Trans/Ex/Eq 735/760/758 True Credit FACOs 787/793/790 Inquiries: 9/7/8 Since the GF and I are moving to a new house, I plan on using my CC for some items, and want to pay 0 interest on everything, and pay off everything within in a year. So, I have my eye on some 0% APR for 1 year CCs, and some 0% BT cards (I plant on putting that Discover card balance on this one). So I think my 0% interest life for credit cards will remain, but wanted to throw that out there for any feedback. But my question if regarding the fact that I'm getting killed with a $14,000 student loan. I'm paying $146 a month (I know I can pay more if I want), and $80 of that goes to interest. So, I'm wasting $80 a month, and need to stop. It is one Direct Loan, so I have nothing to consolidate. I've read some previous threads where others have transferred school loans to a 0% BT card (as long as there is no BT fee), and would like to do that as well. But will this put a big hit on my credit score, since I'm eliminating an installment loan, and adding credit card debt. Or should I say who cares, since I'll be saving $80 a month, and will get it paid off faster. I'll stop here for now. Thanks for any responses. Dave
