Student Loans & Credit Cards.

Student Loans & Credit Cards.

I recently decided to go back to college, and needed student loans to do so. I have a few hundred dollars left over each semester after paying for books & tuition. I also have a credit card with ~$1100 @ 18.99% interest, which increased about six months ago from 11.99% because I have severely ruined my credit, and although I have done well w/paying this card back, the rest of my awful credit and slow payback can jack up the only good creditors interest rate. The minimum monthy paymet is $34; I pay $120/month with much difficulty (Ijust want the damned thing paid off!). My question is, can I (or better yet, SHOULD I) use my student loans (4.7% interest) to pay off my credit card? My mother and aunt both think it's a good idea, but my boyfriend insists it's illegal and that I should research it first. My feeling is that when they mail me the refund check, they don't necessarily know where it's going once I cash it... right? I figured y'all would have an idea on the legalities, and if not could point me in the right direction of researching it. Thank you!
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