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I might be tempted to use a 1.99% for the life of the balance,

Seriously, does any card still offer these?!? Please share!!!

Citi was dumb enough to offer me one about eleven years ago. Paid off my existing card balance, reborrowed everything I had owed and more, and have been making my monthlies ever since... started funneling the difference into savings. I think they curse me under their breaths once a month. (Didn't use it to offset student loan debt, which was already consolidated at a very low rate, but...)

The joy of such a deal would be that you'd get out of the "can't be discharged in bankruptcy" hole that goes with student loans, too :) not that you should be planning a 'strategic bankruptcy' to start off your post-graduate-school life, but it's good to keep options in mind and position accordingly.
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