Paying off Student Finance with Money Transfer : personalfinance

Hi all,

Hoping to get some insight / advice on paying off my student loan balance with a money transfer.

I owe just shy of £6,000 for my student finance and other than my mortgage, it is the only interest-bearing debt I owe (currently 4.5%).

I was thinking of doing a balance transfer on to my credit card (0% for 14 months, 3% fee) as it’ll ultimately save a little bit and I’ll have fully paid it off before the end of the promo rate.

I haven’t taken any credit in the last 18 months, no hard searches, etc. Credit utilisation sits around 20%. My only concern here is that I’m due to remortgage around October time and don’t want to have any negative impact on the potential rates I can get. It’s an offer from an existing credit card I have, so only impact should be that my credit utilisation has increased.

Am I being silly and should just keep it with Student Finance and pay the little extra it’ll be in interest or would I be better off putting it on a 0% rate on a credit card?

Thanks in advance