<prompt> Human: She has 14k in student loan debt, average rate of 4.28 with 4k at 6.55. We are considering at least paying off the higher rate one as of right now. She makes 33k annually.-No collateral -Paying the debt with a cc would reduce interest payment but we are worried that the increase in credit usage may damage credit.-We want a cashback card for large amounts so we can get a reward for a large purchase, do loan payments count towards every day purchases? -Does a cc benefit out weigh current tax deduction from interest on student debt?  <response>: Bad idea. Usually, its only 0 for six months to a year... then your interest will be even higher. 