<prompt> Human: I currently have around 48k students loans two of three is still in grace period, but building interest, and I want to pay back 3k a month, starting with the highest interest rate loan.I also have Citibanks 2 double cash back credit card with my card limit at 5000. So if I pay off my loans at 3k a month, I get 60 cash back per month using the credit card, plus additional amounts for groceries, gas, etc.My main concern is, if I use up my credit card so much probably 60-80 of its limit every month, will this affect my FICO score negatively? I know that part of your score depends upon how much of your total credit limit is being used. Should I just pay off my loans with direct deposits from my bank instead?  <response>: Do your loan provider let you use a credit card with no additional fees? Its very rare that you can pay off loans with a CC. 