Scenario: A person owes $30,000 in school debt to a single entity. The person also has THREE credit cards. Each month, the person pays $500 using credit card 1 towards the debt and $50 (minimum fee) for the other credit cards, bringing the monthly debt to $600. On top of that, each month the person replenishes the first card by paying back $500 to keep using credit card 1 each month without maxing out.
Is it possible to instead spread the $500 a month debt across the three cards to cancel out having to pay the other card's monthly minimums on top of the school debt to reduce the person's monthly debt from $600 to just $500?