<prompt> Human: Im just out of college, and moving along with preparing for my new job has put a great balance on my credit card around 1000 dollars. It would make more sense to pay the Stafford loans quicker to gain more ground on the interest than to focus on my 0 credit card right?Im disciplined and I wont be splurging with the credit card at all, its been really helpful in-between graduation and my first job. I will definitely pay it off before the 0 interest runs out, its for 15 billing cycles. I wont be buying a home and I likely will not be applying for another credit card or car loan before then either. What Im mostly concerned about is: Will it negatively affect my credit score if I just make the minimum payments each month to focus on student loans and other debts?  <response>: It forms bad habits. If you only buy things you would buy with cash and make sure you pay it off before the 0 period ends and read all the fine print, its not that bad. Just make sure you dont screw up. 