<prompt> Human: I currently make 60k.I have 16k in cc debt, 15k left of car loan, and a mortgage loan of 1300 a month.I make enough to to all my bills and pay about 200 extra on ccs each month 7k 8, 9k on 0 until July then 17. My income will increase soon as I am starting a second job, part time. But still only about 8k-10k this year. My first job is paying for grad school but I qualify for 10-20k in student loans. I was wondering if its worth getting the student loans to pay off ccs. My job will not pay off the student loans, just FYI.  <response>: Just throwing this out there: If you were to ever file bankruptcy, your CC debt would be forgiven, but student loan debt would stay with you until its paid off. Once you assume a student loan, theres no way to escape it. I mean, youre already in this debt situation; moredifferent debt isnt going to help you. 