<prompt> Human: I have almost 2500 in a savings account and 1500 in checking account. I intend on using much of it on extended overseas trip in a few months where Ill have another job. Im adding to it monthly but also have about 1500 in credit card debt now student loans. My initial thought is to pay it all off with my savings? Do I pay it all off at once or a large chunk every month?  <response>: Would you take out a loan at 12 to 25 just to have liquid cash on hand?This is effectively what youre doing by not paying off your credit card balance in full. 