<prompt> Human: I work a number of jobs to pay off my loans. Problem is, a lot of my freelance work comes in a bit randomly at times. I can go a month without any work, or get a flurry of jobs within a matter of weeks. Getting paid comes in randomly as well. I work as a freelance editor, and sometimes payment can take 30-90 days. I know, it sucks. I have a number of student loans that I need to pay every month, and while I currently dont have a problem getting money, its just getting the money at an appropriate time. I am constantly late on my loans because my checks come in at the crappiest times.Im thinking that I could pay off the debt with a credit card, and then when my money comes in pay off the debt on the credit card. I need to build a good bit of credit anyway.Is this a good idea?  <response>: Most student loan servicers do not take credit card, unfortunately.You may instead be interested in our article about budgeting With your feast-or-famine monthly income, Id potentially consider finding an average monthly income, living below that amount, and letting anything that floats remain in your checking. 