Your Federal student loans also don't take CCs, etc.
i was VERY surprised when my oldest graduated in 2018 to find that federal Perkins Loans COULD be paid with a credit card. we looked at student loans during attendance as interest free money and a way the money we had earmarked for paying for school to earn interest during those years if it continued to sit in the bank, so following graduation when we received a letter from the university (which administered Perkins Loans when they were still offered back then) and it gave the option of making payments by credit card with NO added fee I paid it in full and happily pocketed the cash rewards my credit card paid out.