<prompt> Human: I am going back to school and can use student loans to catch up on some debt payments. My school expenses will be covered 100 by the GI Bill.Basic Breakdown:My wife is a stay at home mom. We have 3 kids ages 3, 4, and 5Salary 65kVA Disability: 1050 monthlyGI Bill Stipend 800 Per month for the next 15 months while I work on my MBADebts Most figures rounded:Car1: 8000 3.8 180 monthlyCar2: 20900 5.1 355 monthlyPersonal Loan: 12000 11.9 270 monthlyStudent Loans: 16000 3.5-6 4 separate loans, currently deferred but the payment shows is 170House: 855 a month Including taxinsurance. Will not be trying to pay extra on in this stageThe personal loan was from getting out of an upside down car payment that was 650 a month. As Dave Ramsey would say it is our stupid tax. We have loosely followed some of Daves financial advice. Most importantly we live on a budget nYNAB, and are very good at sticking to what we budget for. Including the 800 stipend for going back to school, I will be able to put an additional 1600 a month on debt payments this is in addition to the normal monthly payments.I qualified for 14k 5.3 in federal student loans, and since my school is 100 covered by the GI bill, I could use that money for living expenses. And in this case, living expenses would pay off some of the high interest personal loan debt. It would come in 2 disbursements, 1 in November and 1 in April. I would likely only take the first disbursement, as I could pay the remainder of the balance off before April.I know that you cant borrow your way out of debt; however I would be able to pay off more than half of the personal loan if I take the student loan. This puts me months ahead on my unbury.us calculation. Faster wins more motivation to get out of debt sooner. Any thoughts or other ideas are welcome, feel free to call me stupid for trying to borrow my way out of debt faster. Deep down I dont want to pass up the opportunity to possibly save quite a bit of money on interest. TL;DRWorthwhile to use 7k 5.3 in student loans to pay off part of 12k 11.9 in order to get out of debt faster.  <response>: I would double-check on whether or not paying off debts is covered under living expenses, definitely dont want to defraud the student loan system. Other than that, just keep in mind that while your regular high interest debt can be discharged in bankruptcy, student loan debt is almost impossible to get rid of. Not saying that youre headed for bankruptcy, just pointing out that student loan debt is a bit more serious than most debts. 