<prompt> Human: I currently owe 9389 in credit card debt: Bank of America CC, 0 APR until 42018: 4550Discover CC, 0 APR until 102018: 1842Mastercard, 0 APR until 42019: 2997I also owe 4321 on a 5 APR student loan.I borrowed this money over the course of completing a undergraduate and masters degree, and getting a flight instructors certificate. I currently work as a flight instructor, my monthly take-home varies irregular hours, but averages 1800-2000mo. Monthly expenses are close to 1500mo:Rent 550Foodentertainment 300-400Student loan payment 120Utilities 50-100, varies seasonallyCar insurance 60Gas 40-50Bank of America CC payment 45Healthdental insurance 45Mastercard payment 30Internet 20Discover card payment 20Netflix 10Music subscription service 10I have 7100 in a 401k, 1800 in a HSA, 7400 in checking. Credit score 705.My quandry is, I could easily quit my job as a flight instructor and double my income or more, and the CC debt would not be an issue. But Id like to continue instructing, and move onto a better-paying flying job in 1-2 years, at which point I could more easily pay the credit card debt off. But thats years ahead, and the credit card debt is going to start accruing interest at an awful rate 15-20 APR mere months from now.Edited for formatting  <response>: Why would you let the credit cards accrue interest? You have the cash to pay off that first card the one with the April deadline right now in your checking account. From the expenses you listed, you should have an extra 500month to knock out the others before the high interest kicks in. If youre worrying about losing your checking account buffer, ask yourself if you would take out a 4000 loan at 20 interest to keep that money in your checking account. 