Complete several credit card offers for new students while in school. Do not use the cards for anything other than to build a credit history. Once you graduate, you have 6 months before you start to repay your student loans. The idea is to get a good job so you can repay them. Your goal is to create a repayment schedule that incorporates the credit cards.
Contact the first credit card company and request a 0-percent introductory offer for transfer balances and move your student loan debt onto that credit card. Request the longest amount of time you can receive the 0-percent introductory rate.
Follow your payment schedule for the student loans applied to the credit card balance. Because your interest rate is zero, you will by paying down the principle amount and saving money. Money saved is money earned.
Contact the second credit card and transfer the balance over to the second card 1 month before the end of your introductory rate period on the first card. Continue to make payments directly to the principle.
Move the balance to a third card that you've negotiated a 0-percent introductory interest rate on. Pay down the principle amount. You can repeat these steps back to the original card and continue to move the balance until the debt has been repaid, and you have made money by not paying interest.