<prompt> Human: Im 28yo and between college loans, a credit card, and a personal loan to consolidate my credit cards I currently have about 11,200 of debt. Between all the debt I pay about 700mo and have little to no other expenses. My take home is about 2400mo. Right now I have about 16,000 in my checking and savings account so technically I could pay off all of this right now, but this would only leave me with less than 5000. I think my job is fairly stable, but I currently have a baby on the way which I figure could cost a couple thousand dollars since insurance is not covering any of the delivery expenses. The breakdown of my debt is Student loans 5171 4.8 2497 0.35Credit Card 2000 0 APR will increase to 17.24 next monthPersonal loan 1456 12.69 15.56 APRI think its probably pretty obvious that I should pay off the credit card and personal loan and leave the student loans until I build up a bit more saving, but I would like some advice. If I were to pay everything off will my credit score go up? and if I continue to not use my credit after everything is paid off will it start to drop? I dont have any plans to make any large purchases for the next few years but would like to start saving for a house. Also once everything is paid off, since I wont technically have any expenses besides entertainment is there some way I should be investing my money?edit; for all of those commenting on the fact that Im having a child without insurance. I do have insurance and my child will have insurance, however I am not currently living in the US and the insurance does not cover the delivery. the delivery should cost less than 4000 and I think thats leaving some room for worst case scenario  <response>: This is addressed in our FAQ: Whats the right order to pay off my debts?Also once everything is paid off, since I wont technically have any expenses besides entertainment is there some way I should be investing my money?See the sidebar link, I Have X ... What Do I Do With It?! 