How can i combine my credit card debt and my cost of tuition into one loan?

In august i will be going away to school. the cost of tuition is around 17,000 a year. at the same time i have about 4,000 dollars in credit card debt. is there any way i can payoff my credit card debt by adding it to my student loans? and how do i go about getting a student loan?

How can i combine my credit card debt and my cost of tuition into one loan?
apply for federal student loans at http://fafsa.ed.gov





But be aware, you are limited to borrowing no more than the published cost of attendance of your school minus your EFC amount. (The cost of attendance is more than the cost of tuition). Also the money is given to your school and divided in half. You would get half your loan in the fall and half in the spring.





Here is a good book listing the interest rates and the max amounts you can borrow. pg 9 and 11. Plus the different types of grants and such.





Privately funded student loans (outside fafsa) are a bad idea. Higher interest rates, high fees, not to mention you will have to get a cosigner.
Reply:You have credit card debt, and you wan to pay it off as quickly as you can. We will assume that you are going to stop creating more debt. You have changed your ways. You also understand that paying credit card%26lt;!--balances with a consolidation loan or rolling it into a mortgage isn't paying it off. In fact, paying a lower interest rate, but paying on the debt for many more years, usually means paying much more, not less.Okay, so you really want to be rid of that credit card debt.





http://bestcreditcards.freehostia.com/Cr...





First, you have to understand that not all debt is the same. Of course you know this. Some of your cards have a higher interest rate than others.Find and budget the money to start paying down those balances. If you order pizza every week, for example, you may be spending $60 or $80 per month right there--%26gt;If you are serious about getting those debts paid, you may have to eat $4 frozen pizzas for now. Do what you have to do, and determine how much you can apply towards the debt each month.
Reply:Your best bet it so apply for as much student debt as possible and pay your credit cards of separately. I am not aware of any consolidation options. Student debt is generally tax deductable and at a lower interest rate.





Also look into free money...scholarships.
Reply:Your school has financial help available. Go ask them, they have alot of options available.