I, like many others, have been enjoying having student loans on 0% interest since Covid started...This will eventually end on January of next year. I am considering putting my loan on a balance transfer card - I believe my loan APR is already pretty low (somewhere between 5.1-5.2%), but some of the balance transfer offers out there work out, on an annualized basis, to be something like 1.75-2%/yr. My understanding is that student loans don't really affect your credit score, so I'm wondering how adding additional debt would affect your FICO. This would increase my overall CC debt by about 18%, but probably wouldn't do much to my utilization (which is ~14'ish% rn), since it would be a new balance transfer card. Also, I should note that the new BT card will be / is to roll over a previous balance transfer that is expiring in December.
Edit - Just read somewhere else that you can't use a balance transfer for student loans. I would delete this thread if I could, but don't see a way to do so!