<prompt> Human: I have about 9000 that I will be receiving through stock grants in a month, and I have about 8000 in my credit card 18 APR and about 45000 in my student loan 5.5. I plan on using all of it to pay off either one. What do you think I should get rid of first?  <response>: Pay off highest interest 1st. Learn to pay your CC in full every month so you dont run up a balance. 