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Currently student loans are at an all time low interest rate, which is a great deal for those currently attending college. But, if you’re like me and attended college in the nineties or in the eighties then you know that there was no such thing as a low interest rate. The best you could hope for was around 8.25% and usually 9 or 10%.

By today’s standards, this is outrageously high and loans with interest rates this high are darn near impossible to pay off in a decent amount of time. Moreover, by the time all of the interest is paid it almost doubles the loan amount. I guess you could say this is the magic of compounding in action. And unlike traditional loans that can be financed at a lower rate, student loans don’t have this option available. So, most people just trudge along and continue to pay year after year after year.

However, after some research and creative financing I have come up with a viable way to get around high interest rates thus shortening the time it takes to pay off old loans and pay less in overall interest.

Basically, I contend that one of the best ways to eliminate student loans quicker and at a much lower interest rate is to transfer the old loan onto a credit card that offers a low to no interest rate on balance transfers. To verify this I asked my friend Terry Rigg, owner of The Budget Stretcher (http://www.homemoneyhelp.com) to do the comparison calculations.

Here’s a comparative analysis he did. A student loan in the amount of $15,000 at 9% with a payment of $300 per month would take 5 years 3 months to pay off with a total interest amount of $3,870.56 in interest.

However, by transferring this same $15,000 to a low interest credit card with an interest rate of 3.9% for the life of the balance transfer, it will only take 4 years 7 months to pay off making the same $300 per month payments. The total interest paid would be $1,337.90: a total savings of $2,532.66 with a pay off eight months sooner.

This method isn’t for everyone, but it is a viable option for those who wish to unload old high-interest student loans once and for all. And, obviously, good credit is a necessity to obtain low balance transfer rates.

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