| you transfer and keep repaying direct education loan consolidation loan from balance transfer till you finish off before the deadline after which the APR shoots up to your normal APR (typically anywhere between 10% to 20%) There are two catches here though. Credit card companies have a policy of applying your payments to the balance with lowest APR. direct education loan consolidation Let's take up a scenario. Let's say you already have a balance of $350 on your card and your purchase APR is 15%. Now, you make a balance transfer of $2,000 on your card for 0% APR. Now the monthly payments that you make, direct education loan consolidation will apply completely towards those $2,000 that you transferred. The balance of $350 from the purchase stays on accruing interest on that at the rate of 15% APR. This also suggests that you should not use the same card to make any purchases after you make a balance transfer using that |
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