Now I am not positive on this, but don't student loans stay at 0% interest until you have graduated for a certain time period? If that is the case, then I would suggest using a student loan to pay his education expenses and putting the money towards the credit cards. The interest rate on a student loan is also not going to be anything like the interest on a credit card.

This is information on the Perkins loan? Is this what your husband has?

http://www.ed.gov/prog_info/SFA/Stud...3/perkins.html