I have an offer for a cash advance against my credit card limit at 4.99% until paid off. The card limit is $10,000 and I can get up to $13,000 advanced. I need about $10,000 for a student loan. Is it better to take the cash advance or apply for a student loan (I think I will get a rate between 5%-6%). My FICO is about 720. I am concerned if I take the advance my available credit to credit used will increase drastically and thus drop my credit score.