<prompt> Human: I have 3 credit cards:1 18002 71003 67002 Loans:1 67002 15,000 Student LoanIm debating not paying 4 of them so I can attack the 1800, and pay it off in in a month. Then attack the 6700 one, so on and so forth. How bad of an idea is this?  <response>: Pretty bad. Pay minimums on everything, then pay the rest to the smallest balance or highest interest rate, depending on whether you prefer snowball or avalanche. Otherwise youll go delinquent and see your credit tank and your interest rates skyrocket. 