<prompt> Human: I am a 24 year old environmental consultant living in the Midwest. I just graduated with my M.S in environmental engineering in May and began working in June. I received a 4,000 minus 1,500 in taxes signing bonus and immediately paid off my smallest 1,000 loan with interest and began an emergency fund. I make 66,500 annually and get paid bi-weekly for a total paycheck of 2,547. After taxes it comes out to 1,950. My employer matches 50 of my 401k up to 6 of my total salary. I currently contribute 8 203 each paycheck. Employer pays 70 a paycheck which fully covers medicaldentalinsurance 15 extra take-home and I contribute 25 to an HSA in the event I have to go to the doctor. So far I have 2,500 in emergency fund 3 months of expenses and I contribute 250 per paycheck and will continue until I reach 5,000. I am reasonably expecting a 4,000 - 5,000 raise in January. In March I got a credit card and was approved for a 5,000 credit limit. I am also on my parents account with 21,000 available credit. I carry no credit card debt and pay off in full each month. The credit union messed up in giving me a non-rewards card after I was approved for rewards, so they fixed the error and gave me a promotion of 0 APR for 6 months until February 2016. My student loans have not yet gone into repayment, but they are still accruing interest and I have been paying 750-800 a month to my highest principal loan. I should begin repayment in January. Student Loans:Unsubsidized Stafford Loans 1,000 317 -- Paid off completely3,750 305 interest 3.867,172 10 interest 6.8 -- Began at 7,500 interest but I have been paying down principalinterest with my 750 - 800 month6,500 1,730 interest 6.85,500 1,840 interest 6.85,500 2,210 interest 6.8Minimum payments will be 395mo at the current balance.Fixed Expenses:600 - Rent - Live with 1 roommate215 - Car payment 1.99 APR for 48 months My parents took the loan out in their name and I pay them each month so I have flexibility paying them back. 450 - Gas I currently live in my college town and commute 75 milesday to work. It is temporary, and I will be moving to the town in which I work100 - Utilities Split evenly with roommate250 - Groceries100 - VWELX mutual fund Currently at about 4,250I usually split whatever is left in my checking account into my emergency fund and fun stuff savingsMy question:Is it worth it to put 2,500 at a time on my credit card each to be paid off within 1.5 months to get rid of the largest loan before repayment begins? It certainly seems like I can afford it and avoid accruing more interest because of the large payments on principal. Let me know if my mathideas are wrong or you need more information!  <response>: In general, yes.Something to watch out for is that student loans can be more flexible. If you hit a hard patch, you may be able to defer them, and the credit card company will not be so forgiving. On the other hand, you can discard credit card debt in bankruptcy. 