<prompt> Human: Hey guys,Im 22 and a senior in college. Ive made some bad financial choices now Im 3k deep in credit card debts. Im currently in between jobs and the interest is accruing. My school offered me a 5k subsidized loan. Since they are interest-free while youre in school, is it wise to use the loan to repay my debts? I also was thinking that as soon as I find a job, I would try to repay it before I graduate because I want to graduate loan free.Also I will have 2k to play with. I dont want to waste it on just personal stuff. Id there a way I could invest it? Like those accounts that you cant touch but still have a monthly interest rate. Does my plan make any sense and is it viable? Im open to any suggestions.Edit: Thanks to everyone who took the time to answer. Ive read all of your answers and considered all your advice.Ive decided to just take enough to cover my debt which is partially due to school related expenses and just decline the rest. I have received my d unarmed security license and have started to look for jobs so I can start repayment as soon as possible.  <response>: I have done this. 6 interest loan vs 23 interest? 