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Which is the best way to structure loans in the context of tax deductibility and least final cost.

Currently the least expensive credit available is thru promotional credit card offers.....typically 3.99 to 4.99% until the balance is paid.

A 3 year fixed home equity line of credit runs about 6.99% and the government "Plus" student loan rate is about 8.25%.

I would like to determine which loan is the best for me and where the "break-even" point is for non deductible interest sources.

Obviously the final answer will have to be predicated on my marginal tax rate which for sake of this discussion we will assume is 18%.

Thanks for any useful input.

The credit card offers are for certain period of time and also the card issuer can change their rate anytime. It is always safe to go for student loan or home equity for the tax benefit