I have been shuffling some CC debt around for many months - it makes the MS process easier to have actual funds to move around. I decided the debt had to go, so I got a couple of 0% apr cards and shuffled the money to those cards. Now, I'm building up my savings account with a modest apr using MS and CB. Before the 0% runs out, I will pay everythinget off in full.
I love the idea about managing student loans. Mine are at 6.xx% and are costing dollars a day in interest! That will be my next mountain to tackle; hopefulky, fully funded with MS.