<p>
</p>
<p>It sound like you may not have any credit cards, so in case this is actually a serious question:</p>
<ol>
<li><p>Credit cards have VERY high interest rates, usually 10-20% or more. If you don’t know what this means long-term, play with this calculator:
[Bankrate.com</a> credit card calculator – How much will the minimum credit card payment cost me?](<a href=“http://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx]Bankrate.com”>Credit Card Minimum Payment Calculator - Bankrate)</p></li>
<li><p>Thankfully, no one is likely to let you do this, anyway. Credit cards have limits. If you have a credit card, do you know the limit on your card? Your limit would be based on your income and credit history, and you say you have little of both. You probably would not get a $5,000 card limit, never mind $100,000. You can’t get around this by getting multiple cards–any card issuer will see in your credit report what the credit limit is on your other cards.</p></li>
</ol>
<p>Also, many schools charge a fee if you pay by credit card–with my kids it is 2.3% on top of the bill at one school and 2.5% at the other. So you would be paying interest for years on those fees, too.</p>