<prompt> Human: Background: I am 23 years old, just graduated college. 30K in student loans. I have 25K savings. How can I use my savings to get any financial gain from paying off my loans? Thought of opening a credit card and maxing it out for a few months then making payments. To build credit get reward points for that. I make roughly 60K year so I will be able to rebuild savings in a decent time frame. Thanks for any help in advance  <response>: The only financial gain youll get is saved interest. There are no loopholes as to what youre thinking of doing as most, if not all, loan servicers do not accept credit card payments. 