1) when paying your 0% credit card, pay only the minimums, and move the rest into a dedicated high interest savings account. Just before your rate goes up, send the payment + interest to the credit card. If you think of it as a payment when you transfer the money, maybe it would work for you. It’s not a huge extra amount of money, but maybe just enough to help you pay it off before the rate goes up.

2) transfer your high rate student loans to a lower rate credit card (like a 3.9% for the life of the loan, if you’re still getting those offers). If you hate credit cards so much that this isn’t an option, consider a personal loan or a home equity loan. Some people say never transfer unsecured debt (student loan) to secured (home), but I think that now that you’re responsibly paying it off, it’s all the same. I’m sure others disagree). I don’t remember what your loan rates are, but I remember it’s high. A quick and easy way to compare tax advantaged loans with regular loans is to subtract your tax rate. So, if you’re paying 10% and in the 25% tax bracket, compare to a 7.5% loan (it’s not perfectly accurate because of standard deductions and other things, but it’ll give you some idea).

Good luck! Your story is so inspirational