<prompt> Human: Ive worked through college and was lucky enough to not require any loans. However, through my university I was eligible for the Federal Subsidized loan which basically accrues no interest until after graduation. I took on the maximum amount of this loan every semester because, idk why not? It was nice to have it for a rainy day just in case. Anyway, now Im a few months away from graduation May 7th and I have about 15,000 in loans and have enough money to pay it all back before it accrues any interest. I was wondering what would be the best way to go about paying this money off? For example, I could pay it back with my credit card in multiple payments my limit is 3400 so that I get the 1 cash back. How would this affect my credit score currently 700? Is there anything else I can do to make the most of the situation?  <response>: My understanding is most dont accept CC payments or they charge a fee for it. 