Personal loan vs 0%APR credit card

[superclown]

Hello all,

I will be graduating from medical school this may with my MD and beginning residency in July with my first paycheck mid July to August. My student loans will only cover me until the beginning of May. Right now I see two different paths to get me from May to August, including covering moving expenses and settling in a new city as well as just normal living expenses for the next couple months. Background; I have a lot of student loan debt, but no other debt. My credit score is around 760.

1. Apply for a personal loan for around 10K with no origination fees, no early repayment fees, and an APR of around 10%. The option below is what I’ve come across geared towards students.

2.  Keep charging everything on my credit card and then opening a new credit card with 0% APR for 12 months and transferring all of my debt to that credit card. (Don’t really know too much about this like if there is a max number of accounts you can merge or a limit you can transfer.

[superclown]

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