I used those "loans" to avoid taking out college loans. I still have around 20k but between p2 and me I can move it every 15-18 months to a cc that doesn't even

I used those "loans" to avoid taking out college loans. I still have around 20k but between p2 and me I can move it every 15-18 months to a cc that doesn't even have the 3% fee without consequence. I know I'm not really their target market for this but I love it. I'm banking (no pun intended) on a strong economy which makes banks happy to lend out free money. as soon as the economy sours I'm gonna be hard pressed to find anyone offering this. Truthfully I could pay it off now, but why should I?