If it's not in there, they can't charge you one

Leave the low interest rate student loans in place and save your money to move, etc

Pay off all cc debt immediately unless there's a zero intro rate.

Leave student loans in place & make minimum payments so you can build up cash to finance your desired move.

Do not be eager to pay off student loans - those are really cheap rates that you can't get elsewhere. Is pretty close to "good debt"

Correct. Other commenter doesn't understand taxes / tax planning very well

Yes, you're correct. The taxes owed on the conversion will fall in the year of conversion - not sure how people aren't seeing this

But call them and beg - this is just a journal entry, essentially. Schwab might do it (so vanguard might too)

That's why I put it in quotes, clever one.

Let's be real, the vast majority of purchasers are people who don't have a lot of money - if they were better at math, they'd realize they're just throwing that money away.

Yes, hence nickname of "poor people tax"