In order to 'transfer or sell' your tax credit to a loan servicer you would need to speak to them. The solar credit is assigned to the person who has their name on the receipt for the solar equipment as well as the owners of the structure where the solar panels are installed.
The IRS has proposed REG-101610-23 which allows transfer of the credits. But it is not handled as an initial transfer on your tax return. (You can read the full text of the proposal here).
The easiest thing for you to do may be to take the solar credit on your 2023 return and then use whatever refund you receive to pay down your loan. But speak to your loan servicer first to see if they have any extra credits that they may be willing to offer you.
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