<prompt> Human: Hi all, so the title basically says it. I have 5,000 left over from my student loansPell grant this semester that I do not need and I also have a lot of other debt and negligent accounts on my credit report. I believe I have 4 negligent accounts totaling 3,500 in debt that are wreaking havoc on my credit score. In addition to that, I have about 26,000 in student loan debt that I will need to start paying when I graduate in a year.Basically, I dont know what would be best to do with this leftover money.  <response>: Technically you arent supposed to use student loans for anything outside of educational costs 