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No. of Recommendations: 1
I admire the deft way you went about using Zero Balance transfers. And particularly, the willingness to take such a risk---since what would have happened if, for some reason, you were laid off during that time?

I congratulate you again, so the following is a bit of a tease.

If you've still got a $30,000 Zero Balance transfer out there, isn't it more appropriate to say that: while you may no longer have a bona fide "student loan", you still do have student loan debt?
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