You are unlikely to get a high enough credit to cover student loan debt if it is high. Else everyone would be doing it. Personal loans and HELOCs are even cheaper and hard to get with bad credit.

> What would happen if you transferred your student debt to a credit card and then declared bankruptcy?

If you did it knowing you were insolvent and planning to file bankruptcy, it would be illegal, and that would be taken into account in your bankruptcy (it might effect the dischargeability of the credit card debt or have other adverse consequences.)

Of course, credit cards try to keep up with your credit circumstances and adjust your credit lines appropriately, to guard against that general class of scenarios.

If you did it routinely while in good financial shape but later declared bankruptcy with the balance still on your credit card accounts, it would be discharged like any other credit card debt.

Student loan debt is still not removable through bankruptcy, even if you transfer it to some other form of credit.

Also, transferring loans around with the intent to declare bankruptcy is fraud, and while you may skate on that initially you won't when you're in court.

most people don't have the sort of credit card free balance available to do that sort of transfer in the first place.

if you've got student debt of $50k but only $5k available on a credit card... you're not going to be able to do this.

This would be an example of fraudulent conveyance if done purposefully.

On top of that its going to be extremely difficult to get tens of thousands of dollars in unsecured credit, especially if you're in a position to declare bankruptcy.

Most loans don’t allow payment via credit card, and credit card companies can file to have debt excluded from bankruptcy if they can show you incurred it with no intent to pay.

Don’t try this.

Logically, the debt would be discharged. Credit card debt is not a protected entity from bankruptcy.

Maybe the CC company could come after you if they did their research?