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Very interesting! I use Upromise but don't have the credit card. I'll have to see if this is available in MA.
Thanks for the suggestion but I am not interested in using a loan to pay off a loan. I want to get rid of debts not change them.
I am employed, but my incme is low enough to defer payments on some of my loans, unfortunately not all (of my) loans are eligible for this option.
I've been using Upromise for awile - keep in mind that you can ask other people to sign up to save for you too! My grandparents, parents and aunt all have cards registered to help me save. Not a lot ($295 and I've been registered there since 2002...)