Mature student CC or loan query

nsjb

Hi, really sorry if this a repeat query.

I am about to start a 3 to 4 year degree course and don,t know whether to use the credit card shuffle or a 5.6% loan. current debt is £8000 on 3 cards; HSBC, Egg and Virgin. I have been accepted for £8K loan by NRock but not yet said yes to them as I can't work out whether I should use my student loan which I hope will be £4K to clear some of the debt, or use it to live and to pay the minimum payments which will be more than the £80 per month that the loan would require. I'm becoming more confused by writing this....I can't even work out the minimum payments on the credit cards but they must be more than £80 per month.....What to do....Help......