Answer:
well my dads a licensed student loan manager for UCB in CA and he said Federal Student Loans have FIXED INTEREST meaning no matter the change in other people loans your interest rate doesnt change. So it has to be credit cards.
Step-by-step explanation:
Also credit cards dont have fixed interest rates so say today you have an 8% interest rate and next month it changes to 12% thats because of the fixed rate so in the near future you'd end up paying more in credit card tax then student loans. And student loans payment are negotiable , payments can be somewhat reasonable as for credit cards co.'s they take out a payment either way without you having a say in monthly change until you pay the loan off.
In my personal opinion I think its credit cards.