Can I use a 0% APR credit card offer to lower my student loans? The short answer is yes but you need to really pay attention and take into consideration the one time balance transfer fee. Many credit cards offer balance transfers and one of those options is to balance transfer directly into your bank account. This allows you to use that money however you see fit. This option with a 0% into APR can allow you to save on interest by paying a chunk of student debt up front so it doesn’t accrue interest.  Most of the time there is a transfer Fee of 5% of the transfer amount,…