Please don't judge me!

[wb.john]

Just what exactly do you think a credit card is???

Credit cards have much higher interest rates than student loans, especially the subsidized direct-from-the-government loans.

Maybe you should start with some kind of personal finance class.

Here's a credit card with 0% interest and no annual fee.

It also does not have the origination fees associated with a student loan. To me this seems a better solution for a relatively small, short-term debt.

Maybe you should try to post something that is actually informative and not condescending.

To everyone who is complaining about CS7's progress, take a moment to reflect on your own record, Speedy Gonzales.